VIBRANT
Charter #61093 · Moline, IL · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.07% sits at the 10th percentile of structural peers — worth a closer look.
- Return on average assets of 0.02% sits at the 8th percentile of structural peers — worth a closer look.
- Net interest margin of 2.57% sits at the 8th percentile of structural peers — worth a closer look.
- Cost of funds of 3.48% sits at the 97th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.54% sits at the 87th percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | VIBRANT | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.17B | 12th pct | 59th pct |
| Members | 66,307 | 14th pct | 62th pct |
| Net worth ratio | 8.07% | 3th pct | 10th pct |
| Return on average assets | 0.02% | 4th pct | 8th pct |
| Net interest margin | 2.57% | 10th pct | 8th pct |
| Cost of funds | 3.48% | 98th pct | 97th pct |
| Loan-to-share | 95.57% | 81th pct | 72th pct |
| Delinquency 60+ days | 1.54% | 94th pct | 87th pct |
| Net charge-off ratio | 0.71% | 66th pct | 85th pct |
| Loan growth YoY | 2.78% | 64th pct | 75th pct |
| Share growth YoY | 5.86% | 74th pct | 87th pct |
| Efficiency ratio | 83.39% | 88th pct | 67th pct |
structural peer set hash: a1207506d824030910069f3f9e1b607b… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.