Charter 61522 · Novi, MI
Vibe Credit Union
Vibe Credit Union is a state-chartered credit union in Novi, Michigan, with $1.58 billion in assets and 74,191 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 10.46%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $1.58 billion
- +2.9% in a year
- Members
- 74,191
- -0.8% in a year
- Net worth ratio
- 10.46%
- Peer median 10.79%
- Loans 60+ days late
- 1.08%
- Peer median 0.67%
- Loans outstanding
- $950 million
- +4.4% in a year
- Shares and deposits
- $1.24 billion
- +2.5% in a year
- Branches
- 15
- 281 employees
- Opened
- 1953
- Michigan charter
How Vibe Credit Union compares
NCUA groups credit unions by size; Vibe Credit Union is in the group with $500 million and up (759 credit unions). Its net worth ratio of 10.46% is lower than that group's median of 10.79%, and its share of loans 60 or more days past due, 1.08%, is higher than the group median of 0.67%. Loans grew 4.4% over the year to Q2 2026, against a group median of 5.3% growth.
By assets it ranks 18 of 169 credit unions headquartered in Michigan. See all Michigan credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $1.58 billion | 74,191 | $950 million | 10.46% | 1.08% |
| Q1 2026 | $1.57 billion | 74,399 | $924 million | 10.35% | 0.90% |
| Q4 2025 | $1.36 billion | 74,515 | $929 million | 11.78% | 0.98% |
| Q3 2025 | $1.52 billion | 74,791 | $921 million | 10.50% | 0.99% |
| Q2 2025 | $1.53 billion | 74,801 | $911 million | 10.28% | 1.03% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 5.1 million potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 16 sites for Vibe Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Waterford - County Campus Branch
1220 County Center Dr W, Waterford, MI 48328 - Clarkston Branch
6580 Dixie Hwy, Clarkston, MI 48346 - Oxford Branch
968 N Lapeer Rd, Oxford, MI 48371 - Waterford - M59 Branch
6655 Highland Rd, Waterford, MI 48327 - West Bloomfield Branch
7800 Pontiac Trl, West Bloomfield, MI 48323 - Novi Branch
44777 W Twelve Mile Rd, Novi, MI 48377 - Berkley Branch
3082 Coolidge Hwy, Berkley, MI 48072 - Canton Branch
44300 Warren Rd, Canton, MI 48187 - Ferndale Branch
214 W 9 Mile Rd, Ferndale, MI 48220 - Livonia Branch
16825 Middlebelt Rd, Livonia, MI 48154 - Royal Oak Branch
501 S Main St, Royal Oak, MI 48067 - South Lyon Branch
21985 Pontiac Trl, South Lyon, MI 48178 - Southfield
26595 Evergreen Rd, Southfield, MI 48076 - Sterling Heights Branch
33950 Van Dyke Ave, Sterling Heights, MI 48312 - Administrative Building (main office)
44575 W Twelve Mile Rd, Novi, MI 48377 - Metro Parkway Branch
2405 Metropolitan Pkwy, Sterling Heights, MI 48310
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology