# VIBE
Novi, MI · NCUA charter 61522 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/vibe-61522

Who the members are: state charter, organized 1953, low-income designated. 74,399 members of 5,075,000 potential (1.5% of the field); checking penetration 69% (share draft accounts per 100 members); loans per 100 members 57.

**Verdict on the desk:** this could be *ordinary*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $1.57B |
| Members | 74,399 (-1.3% YoY) |
| Full-time staff | 256 |
| Net worth | $162.9M |
| Net worth ratio | 10.3% (p41 of band) |
| ROA (annualized) | 0.58% (p40 of band) |
| Total delinquency | 0.90% (p76 of band) |
| Net charge-offs (annualized) | 0.62% (p61 of band) |
| Loans / shares | 75% (p22 of band) |
| Cash / assets | 17.3% |
| Borrowings / assets | 11.12% |
| Net interest margin | 3.24% (p46 of band) |
| Operating expense / assets | 3.77% (p77 of band) |
| Vehicles % of loans | 25% (p45 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 31% |
| Third-party paper % of net worth | 150% (p54 of band) |
| Vehicle delinquency | 1.02% (p79 of band) |
| Vehicle NCO | 1.19% (p61 of band) |
| Repossessed % of vehicle book | 0.16% (p74 of band) |
| Real estate % of loans | 50% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 78% |
| Core shares % of member funds | 65% |
| Certificates % of member funds | 24% |
| Average share balance | $7,062 |
| Participations bought / yr | $15.1M |
| Participations sold / yr | $0 |
| Participations outstanding | $55.8M |
| Loans outstanding per 100 members | 57% |
| Loans granted per 100 members, annualized | 14% |
| Average loan balance | $21,730 |
| Loans granted, annualized | $243.6M |

## Participation posture (from the same filings)

Bought $15.1M and sold $0 in the latest annualized quarter; $55.8M outstanding purchased (34.2% of net worth), $28.3M sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares 2.4% year over year.

## Flags firing in the latest filing

- **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 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | delinquency rising |  |
| 2017-12 | 0 |  | delinquency rising |
| 2018-03 | 1 | net worth falling |  |
| 2018-06 | 1 | 3rd-party paper>100% NW | net worth falling |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | net worth falling |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 2 | expense trap | net worth falling |
| 2020-12 | 1 |  | expense trap |
| 2021-03 | 2 | net worth falling |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 1 |  | net worth falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 2 | delinquency rising |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 3 | net worth falling |  |
| 2023-03 | 2 |  | net worth falling |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 3 | delinquency 2x band |  |
| 2024-03 | 3 |  |  |
| 2024-06 | 4 | net worth falling, leaning on borrowings | delinquency 2x band |
| 2024-09 | 3 |  | net worth falling |
| 2024-12 | 2 | members leaving | delinquency rising, leaning on borrowings |
| 2025-03 | 3 | leaning on borrowings |  |
| 2025-06 | 3 |  |  |
| 2025-09 | 2 |  | members leaving |
| 2025-12 | 2 | expense trap | leaning on borrowings |
| 2026-03 | 2 | leaning on borrowings | expense trap |

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

- 2026-06-12 [Vibe Credit Union names Stephen Westbrooks Chairman of the Board of Directors - CUInsight](https://news.google.com/rss/articles/CBMiugFBVV95cUxOOUMxUTRfM1lfaFExWWNsQmo3M0ZNRm9ZbFlNUktHd0NRVGx0aEZ4X2pHbzlTUTI0anBEWUxlNFR3Qy1CcDBnM1c5amtpRHVpREVWMnFzMUhDcnRmRzAwblR0Ulg5bXRZVUE1QlBaOS1uSWVqUkpxLU1TSEsxRUhLWGNTNjZwOXhvUjRRVFZXc0o2M3BXN191V3lVY2s4YjdzN2MzcnlQWkt3UHlDTkRhNUlVam4zX3NBLXc?oc=5) · CUInsight
- 2026-08-22 [Michigan State Fair Ticket Giveaway: Win a Family 4-Pack from LittleGuide Detroit & Vibe Credit Union - LittleGuide Detroit](https://news.google.com/rss/articles/CBMiygFBVV95cUxQRnZVODg3eHM4M2U5bXktblVmLUdFSWdsOTM1Tzh3b0N6OWZzbk1haWtibEw2MG4yVm1aQ2pSM1BkX0xoZ0JmUTNZM1lWTUR5QmROOE9aUUdQYkEyZnphNUhubkx2ejExTjdwNjF2NDQyTDYtRFdseVNibENEM0JxWE9LeWo0OU5MLXpIMmF3c2ljMlVvSTBzR3ZBY3M5TzFlOHRhVWFVSzNSdEdKamF1cVhzOTBYOE5JVzdReHJDUEVsU1pjX1FxNE1B?oc=5) · LittleGuide Detroit
- 2025-12-10 [Suburban Collection Showplace in Novi gets new name starting in 2026 - FOX 2 Detroit](https://news.google.com/rss/articles/CBMisAFBVV95cUxQZEFVdlpDbHNPMUJLRnlUR3dERHhmRmhqTmp2akFQaHZJTFRvQXNaQ21JVE1jajR3WGs1VVl4SVczVXhhN18yNEk3a2JJaUFVM3Z3a242RV9peXhuS0RMZ3U0azNOMDFuOVZkcFZGeUF1NVVKUElrdXk0dmRCUV9Tc2VhSnBpNEd1N3FTSU8ycDBnVEZ3RmMzX21BNlNSS214a3dPUUVIQzh4UFZKa240cw?oc=5) · FOX 2 Detroit
- 2026-01-13 [Suburban Collection Showplace renamed Vibe Credit Union Showplace - C & G Newspapers](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNRnQxc2FSekpRd2NLYm45X0R0Yk5hZUdSUkExVWlCYUxNb01iODlnSnkwbUcxajlOV1FSTS1ObEFJNVdvbHBncUxfalJLZ0NpYnJWNzRtMzlnUWZPVDdydF9nelNYa0Nyc0FVVTk0UjVBbmtRcmRJWGtHTTg1dFFkWFY0Ulg2RWRBQkNaSldQSDd5c0tsY0twOVAtdjMzOE9qSXNaVlBQR0o5Zw?oc=5) · C & G Newspapers
- 2025-12-10 [Suburban Collection Showplace to be renamed Vibe Credit Union Showplace in 2026 - WXYZ Channel 7](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNNWo2TWREMko1SFV3RWwyMWhhdTBKelZhM3RKdTkzRFpUNW9hUFg4TVdnaUtvbFp0Tlk2WDBjaGRfeFhsLXV0MW55OFd4TzBfS1hUemVWMWc2V3hRalNmRVVxS0RtMHFyd3BxaWNOSjZPT1NhZEZ1TXJwQ3Ntc0J3MC0tU09seVNKek5jN0pjN2ozN2dkTmZMMTNveVJfaHRfb0s3RmpCdmM?oc=5) · WXYZ Channel 7
- 2026-02-22 [Outdoorama at the Vibe Credit Union Showplace, formerly known as Suburban Collection Showplace, February 19th thru the 22nd. - 94.7 WCSX](https://news.google.com/rss/articles/CBMi3gFBVV95cUxONTdqc194ajJSMXVUN2FtdmpKV0VGNUkwanljSHh6WUVMMUszODZJRnZyOUNrT1RsWHczRElpOUk4YUdyM0pvTmw4Y3dadWxXN3hxMlp5ZkFJM1FzRjd6Q0lXd1hTZGxUSVFZSGZTZkNwV3I3TGpnc1loOWRIU2hfbnFOT3hqdTNTdk1RV3VkN2d1SC1hTHUwODN6UWlBQ0tYbGNsQkJsX0M3RUJnWGNQaWZhdFpZT3V2MW5pREF3bEhNQVZvY1drQm4tTmZOR3BZWXBqRXc2S2kwZVhRanc?oc=5) · 94.7 WCSX
- 2026-02-15 [The Detroit Boat Show at Novi's Vibe Credit Union Showplace - The Detroit News](https://news.google.com/rss/articles/CBMi1AFBVV95cUxOUTVqYVNTeHJ6cThPVjg3WXc2UHdqQ2lEa21lM3ZzSG4xWXY4dWw1Q0JBclFMejFYSzRfdDQxS3F5MXJSN3RyS2NUV2g5RU5GN0ZaNU01NlBaQ0ktQVFFWURhVG4zdVhhZ2N3SVJGQzh3YU9kN1ZXSmlQR0lzTFh1N1RJOGdlQ3A1ODBUNDltdzJacmNzaVhpaWQtcjd3ckFVSWhjWlU3aE1iWjhpbHlfcWhReFJLQUc0MnB2cnZlTDlZNnRSVWljM2tNWUl6d2I3cUkyMw?oc=5) · The Detroit News
- 2025-12-10 [Major change coming to one of Michigan’s biggest convention centers - MLive.com](https://news.google.com/rss/articles/CBMirwFBVV95cUxQV19GLUFJOFM2TlVZakxuR1h4b1Qxdmx0bzRmWVR3Zzh4cy1yMzVTZnF1Mng4ODFrYjIwbW1QUEh1SjVITFBBZF9qREZCWFpnVC0yTWF1ejRyUHNjUUZiZF8zU0taX25oQk0zVVJOTkRmTW9GRUpCcFNsanBLb2ZjTjFmb3ZMNTVfeWN0aURMdDVzTTFHQ01lWXB1TFdOSFVlZlY1eVpUX2QtazZ1UnhR?oc=5) · MLive.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=61522 (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/18.json (key "61522", 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=61522
- 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