# VIBRANT
Moline, IL · NCUA charter 61093 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/vibrant-61093

Who the members are: state charter, organized 1935, low-income designated. 66,307 members of 658,500 potential (10.1% of the field); checking penetration 43% (share draft accounts per 100 members); loans per 100 members 46.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $1.17B |
| Members | 66,307 (18.6% YoY) |
| Full-time staff | 137 |
| Net worth | $94.6M |
| Net worth ratio | 8.1% (p4 of band) |
| ROA (annualized) | 0.02% (p4 of band) |
| Total delinquency | 1.54% (p94 of band) |
| Net charge-offs (annualized) | 0.71% (p68 of band) |
| Loans / shares | 96% (p81 of band) |
| Cash / assets | 3.9% |
| Borrowings / assets | 10.46% |
| Net interest margin | 2.57% (p12 of band) |
| Operating expense / assets | 2.95% (p36 of band) |
| Vehicles % of loans | 19% (p30 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 82% |
| Third-party paper % of net worth | 163% (p58 of band) |
| Vehicle delinquency | 0.52% (p44 of band) |
| Vehicle NCO | 1.12% (p57 of band) |
| Repossessed % of vehicle book | 0.08% (p54 of band) |
| Real estate % of loans | 50% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 130% |
| Core shares % of member funds | 50% |
| Certificates % of member funds | 39% |
| Average share balance | $9,535 |
| Participations bought / yr | $97.0M |
| Participations sold / yr | $371.7M |
| Participations outstanding | $280.8M |
| Loans outstanding per 100 members | 46% |
| Loans granted per 100 members, annualized | 25% |
| Average loan balance | $29,905 |
| Loans granted, annualized | $623.4M |

## Participation posture (from the same filings)

Bought $97.0M and sold $371.7M in the latest annualized quarter; $280.8M outstanding purchased (297.0% of net worth), $45.7M sold and retained. Sold in 7 and bought in 8 of the last 8 quarters. Shares 9.0% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **delinquency 2x band** (`aq_dq_high`)
- **loans>95% of shares** (`str_ltos`)
- **leaning on borrowings** (`str_borrowings`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | loans>95% of shares, leaning on borrowings |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | net worth falling, delinquency rising | loans>95% of shares |
| 2017-06 | 2 | loans>95% of shares | leaning on borrowings, net worth falling |
| 2017-09 | 3 | leaning on borrowings |  |
| 2017-12 | 3 | net worth falling | delinquency rising |
| 2018-03 | 2 | charge-offs p90 | leaning on borrowings, net worth falling |
| 2018-06 | 3 | leaning on borrowings |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 4 | net worth falling |  |
| 2019-03 | 3 |  | charge-offs p90 |
| 2019-06 | 2 |  | net worth falling |
| 2019-09 | 3 | members leaving |  |
| 2019-12 | 2 |  | members leaving |
| 2020-03 | 3 | loan book shrinking |  |
| 2020-06 | 3 | thin capital | loan book shrinking |
| 2020-09 | 2 |  | thin capital |
| 2020-12 | 3 | thin capital |  |
| 2021-03 | 5 | net worth falling, margin squeeze |  |
| 2021-06 | 4 |  | margin squeeze |
| 2021-09 | 3 |  | net worth falling |
| 2021-12 | 3 |  |  |
| 2022-03 | 3 | 3rd-party paper>100% NW | loans>95% of shares |
| 2022-06 | 4 | assets shrinking, members leaving | thin capital |
| 2022-09 | 4 | loans>95% of shares | assets shrinking |
| 2022-12 | 5 | delinquency rising |  |
| 2023-03 | 5 |  |  |
| 2023-06 | 5 | margin squeeze | delinquency rising |
| 2023-09 | 3 |  | members leaving, margin squeeze |
| 2023-12 | 8 | thin capital, net worth falling, losing money, delinquency 2x band, delinquency rising |  |
| 2024-03 | 8 | charge-offs p90 | losing money |
| 2024-06 | 5 |  | thin capital, net worth falling, charge-offs p90 |
| 2024-09 | 6 | thin capital, losing money | loans>95% of shares |
| 2024-12 | 7 | net worth falling |  |
| 2025-03 | 6 | charge-offs p90, loans>95% of shares | delinquency rising, losing money, net worth falling |
| 2025-06 | 6 |  |  |
| 2025-09 | 6 |  |  |
| 2025-12 | 7 | members leaving |  |
| 2026-03 | 5 |  | charge-offs p90, members leaving |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-14 [1st MidAmerica Credit Union Expanding into Springfield with New Full-Service Branch - RiverBender.com](https://news.google.com/rss/articles/CBMizgFBVV95cUxQdF9EbFlaUmhIR2VDUmJtWU9BUW1CVWZYeVVPZzdIZ3BoeWpXd3BKSldLWUxzTGJXbFhRZmNTYVdyOVRNeloxV2hoRkJVRk1Ud1p4clpwNnR6S3M4MS0zSTRTWmc0UTE0QXZqcXU5eTcybzJ5Qkxlb0p2SFJrSnpEY25TQlc2eE5OeEVkamVPWVQ4ZXl0YjFFUkFJYzM3MXh3N2tZdkdoWHBsZnVtWW5pS1FMNFc0aGpDTmhHb2JfLXpobG1OdVE2Z19ZZm9Mdw?oc=5) · RiverBender.com
- 2024-05-29 [QC, That’s Where! We are Vibrant - KWQC](https://news.google.com/rss/articles/CBMib0FVX3lxTE5qdUFMY2J0aE9KNjdORFJ4SDFqU2stZ25vQkFIaVNOY0IxQUdYalVXaHQ1QTNMN0pGRVV2ejZ5WnV4b2ZoUURoSHVvQ1VBWDdvQlo3UHlYa0phcTR5aU5OYXNhNGNKZnNfQ3FFZTM4WdIBgwFBVV95cUxNU1VIYVJNYWxMcVVqOEhKRWRyUlJxR29ZVGZDZ0R3LWJPQ3A2RDhpRXVQUFlQNEo2QnJhMUhmc2t1ZS03VDJQU1I4RlJmZVpBeEU0VDNSdnJGcnF3TVRUclVCSHBsSE8wTXF4U2llWk1OaUVRcHl5NEN2VFZBNnp1M1N4MA?oc=5) · KWQC
- 2024-04-25 [Vibrant brews more business, fewer branches - OurQuadCities](https://news.google.com/rss/articles/CBMikwFBVV95cUxNWnJrdXM4ZzFFWTdGeXhUdVUwbTlOTEdWLUxEdEktUmlKN1dHbDhjZkZna2ppRlcwaVNLUHNIeFFRNnpmTms5Uk5iNGFrX3dPelU1eGZ2M1lmZ1k3cGhwclNKb2dRQ2JnRDRyMDE5YkFubFh6S0JnaWFPcU1VcVdRRDlmVUNQb0ZyYmY2UzhZYVl0RDDSAZgBQVVfeXFMUE5YczhsV0daclA3Sk50SVl1LWppV2hpQWJxU3Y5cjdrdk1HMjdVUmhRUkxlbTVzQl9FaXF6ZnZQWW5iMmRZa0ZyNXZMb041dUhBV3ZNeXhtaVJsZUNfRGdOQzhiSXN1cExSLXg5WktkSFk2eTJ3M0NfS0E0WU03RE1ZRUZReXJKOTItbE1ONHljeWUzNldKRS0?oc=5) · OurQuadCities
- 2026-02-08 [Kelli A. Fournier Mallum Obituary Mar 26, 2018 - Van Hoe Funeral Home](https://news.google.com/rss/articles/CBMiZkFVX3lxTFBRWTkwOW0yakt1dHVGRzRtS0U3MllqUUVLNzAxWl9wVTRZMjY4d2t6aTVuMUxlbEtkZFZGd09GbWU2SzRzYjBUclEzczZMUmFCZDVYOFc3OXphNTdyUzY4YVJYZVNEdw?oc=5) · Van Hoe Funeral Home
- 2025-01-28 [Vibrant Credit Union Changing Hands - Vermilion County First](https://news.google.com/rss/articles/CBMihwFBVV95cUxNQ1JRTlp1ZVVzcHNMV193dFB3UDRrdDZjblAxN1FOSFk4LWJMUkR3RC1SVGFTTW1DRGN4NTI0eUJzd2FrUzBWSVVUa2FRMFNmdjNKRmlzNkM5Ukdody1oV2Q2RDZMZlNLT0V0SUZWUmxTdXpZeUJfcjZsbllrYTRoN3hTTGt1bWM?oc=5) · Vermilion County First
- 2025-08-25 [Vibrant coffeehouses prepare for next chapter, new owners - Quad Cities Business Journal](https://news.google.com/rss/articles/CBMikgFBVV95cUxPZFd1THg2M05JdVBoTnA1MHZyenJpaEJjRU8tU05BTTkyank4cmxrTTVZTVFDVFgxT2o0ZDhpcUpyMXBTUGFIZFBMYVB2eGpFNWZMekhHMElTMFFuVG9qakpQY2kxNHRZeDE5TXBScW0tc3J1ZWNQblJSY05LYlN3Y19DSWZfYU9hLTg2VVowMUdjZw?oc=5) · Quad Cities Business Journal
- 2023-10-27 [Former credit union manager sentenced for stealing $500,000 from Danville branch - WCIA.com](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNbkg3SGtLYjQwUUVCQ2lmd3RoaEVtRHJsNk0zVjRQcWJCRVdjVzg2OGdYZDdFV2k2V0M0cThKUmtpLWZkYTlWVTYzNVBGb0VncGk1eWM4QkJPR3ZPbGNHMkppRVhVZmd0c1p0MlhhSWZDOW90WDEwMWJ4c3hDN2JIdTVFemMzTmRRVExOYU81RDNGM1FfVTd6YVB3WWFSbE5IS2FseG5QMTNrZ9IBrwFBVV95cUxNbmtuOVdiV285WFI5c2txcDYxRmF2R3ExVjk5T091Z0JyWVV2NThxa2lkcjRPak42cU5lWnNCZHc1T3lhZWIwemZ6enNETjl6eXlfLThJek52ZkxwRXNCdGxkY05Xby02bUc5REZrcGxMc1NmRGFfbTF0djdITUtGaDN3am1XN1BLZlBzYTJIeGs3cUxFMzc5THJCeVdVWUxJXzZXZUZpX3MtR0N5ZGdZ?oc=5) · WCIA.com
- 2020-07-23 [Vibrant Credit Union to move headquarters into former Sam's Club in Moline - WQAD](https://news.google.com/rss/articles/CBMi5AFBVV95cUxPcUtJMTRDY3M2bGFXd01WS2lha3F5MDdlQ0VRcldOR1Jna0hILWFkTXJtOHQwbU9uWmhzQUlfYzVfMzNyYVVsaUt2b092elIwOW90OWM4RnFtZ0FJVVRiM3Ffbm1uQW56SGp6M3QwNHVIWkg1N2o5TTd0a1Z5OEk2MVdHUU41SE1GRnhVV1BDQi1sTElMcmppamhkMmNUVW9CRHN1QTkyTU5oYmlpUkFPeGFUUWhEYnJBZ1c5WTN3eVNhMVFuUHV5REZDVGxRTmZFQ2ltN2dhSlV1eVJzdElNY0E4Qng?oc=5) · WQAD

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=61093 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/37.json (key "61093", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=61093
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide