VIBE
Charter #61522 · Novi, MI · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Delinquency 60+ days of 0.90% sits at the 82nd percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 34th percentile but its structural peers at the 57th — a 23-point gap showing why the peer definition matters.
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 | VIBE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.57B | 34th pct | 57th pct |
| Members | 74,399 | 23th pct | 43th pct |
| Net worth ratio | 10.35% | 40th pct | 39th pct |
| Return on average assets | 0.63% | 42th pct | 43th pct |
| Net interest margin | 3.47% | 58th pct | 43th pct |
| Cost of funds | 1.09% | 22th pct | 43th pct |
| Loan-to-share | 74.76% | 22th pct | 30th pct |
| Delinquency 60+ days | 0.90% | 74th pct | 82th pct |
| Net charge-off ratio | 0.62% | 59th pct | 64th pct |
| Loan growth YoY | 0.38% | 33th pct | 34th pct |
| Share growth YoY | 3.93% | 47th pct | 54th pct |
| Efficiency ratio | 77.34% | 68th pct | 51th pct |
structural peer set hash: cb211d5b64993bb04c793ee251dc0a76… (reproducible)
Closest structural peers
This is the free public view
Claim VIBE
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.