credit union

Vibe

Novi, MI · Est. 1953
B
Trust Grade
Strong
Score: 89/100

Vibe is a credit union based in Novi, Michigan, established in 1953, with $1.6 billion in total assets serving 74,399 members. By Trust Grade it ranks 116th of 170 credit unions we track in Michigan. Its net worth ratio of 10.3% trails most similarly sized credit unions (40th percentile), versus a Michigan median of 11.7%. It was profitable over the most recent period, with a 0.58% return on assets. No consumer complaints against Vibe appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets
$1.6B
$1B–10B institution
Members
74,399
Shares & deposits
—
Net worth ratio
10.3%
Bottom 40% of $1B–10B peers · Michigan median 11.7%
Return on assets
0.6%
Bottom 39% of $1B–10B peers · Michigan median 0.79%
Rank in Michigan
#116
of 170 credit unions

How Vibe compares to Michigan peers

Net worth ratio
Bottom 40% of $1B–10B peers
Vibe
10.3%
Michigan median
11.7%
Higher capital ratio = stronger financial cushion
Return on assets
Bottom 39% of $1B–10B peers
Vibe
0.6%
Michigan median
0.8%
Higher ROA = more profitable relative to asset base

How we graded Vibe

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
89/100
Customer experience
n/a
Overall
B · 89
  • Well-capitalized (10.3% capital ratio)
  • Profitable (ROA 0.58%)
  • No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for Vibe over the analysis window. For a smaller institution this is common and counts in its favor.

Are deposits at Vibe insured?

Yes. Vibe is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.

Vibe: frequently asked questions

Is Vibe a good credit union?

Vibe earns a Bankzia Trust Grade of B (89/100, "Strong"), based on a financial-strength score of 89/100 (it has no CFPB complaints on record). Well-capitalized (10.3% capital ratio); Profitable (ROA 0.58%).

Is Vibe NCUA-insured?

Yes. Vibe is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.

How big is Vibe?

Vibe holds $1.6 billion in total assets, ranking 116th of 170 credit unions we track in Michigan. It serves 74,399 members.

Does Vibe have CFPB complaints?

No CFPB complaints against Vibe appear in our data over the analysis window, which is typical for a credit union of this size.

Similar Credit Unions

Frankenmuth
credit union · Frankenmuth, MI · $1.6B assets
Financial Plus
credit union · Flint, MI · $1.6B assets
Michigan First
credit union · Lathrup Village, MI · $1.5B assets
Community Financial
credit union · Plymouth, MI · $1.5B assets
University Of Michigan
credit union · Ann Arbor, MI · $1.4B assets
Credit Union One
credit union · Ferndale, MI · $1.8B assets

Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.

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