VIBE Credit Union Profile

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VIBE

Charter #61522 | NCUA Region 1 | FISCU

Low-Income Designation: No

Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (248) 735-9500

Fax:

Founding Date: N/A

Website: http://www.vibecu.com

Personnel & Operations

President: Piir, Gaia

Manager: Rzewnicki, Chaz

FT Employees: 245

PT Employees: 9

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 99

Branches: 15

Hours: M-TH 9-5:30 F 9-6

Credit Union Profile Summary

VIBE is a FISCU Credit Union. With a total of 74,801 members ^[1], this institution manages approximately $1,533,780,980 in total assets ^[1]. It does not currently hold a Low-Income Designation. Key financial indicators show a solid Net Worth Ratio of 10.28% ^[1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 4.59% ^[1].

Financial Snapshot

Total Assets ^[1]

$1,533,780,980

Total economic resources.

Total Loans ^[1]

$910,531,276

Total value of outstanding loans.

Total Deposits ^[1]

$1,207,423,326

Total funds deposited by members.

Members ^[1]

74,801

Number of active members.

Performance Ratios

Net Worth Ratio ^[1]

10.28%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) ^[1]

0.29%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio ^[1]

75.41%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) ^[1]

↑ 7.15%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) ^[1]

↑ 4.59%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) ^[1]

↓ -6.65%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

44575 W Twelve Mile Rd

Novi, MI, 48377-2505

Open in Google Maps

Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

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Branch Locations

Found 16 branches reported by VIBE (Charter #61522).

Main Office

Administrative Building Main Office

Type: Corporate Office

44575 W 12 Mile Rd

Novi, MI 48377-2505

Phone: (248) 735-9500

Services: None specified

VIBE Credit Union Profile

VIBE

Headquarters Contact & Staff

Credit Union Profile Summary

Financial Snapshot

Performance Ratios

Four-Quarter Growth

Headquarters Location & Map

Headquarters Address

Member Ratings & Reviews

Rate This Credit Union

Branch Locations

Main Office

Administrative Building Main Office

Additional Branches

Berkley

Canton

Clarkston

Ferndale

Livonia

Novi

Oxford

Royal Oak

South Lyon

Southfield

Sterling Heights

Waterford

West Bloomfield