VIBE
State-Chartered • Novi, Michigan • Est. 1953
Quick Facts
- Charter Number
- #61522
- Type
- State-Chartered
- Established
- 1953
- Headquarters
- Novi, Michigan 48377-2505
- Address
- 44575 W Twelve Mile Rd
- Branches
- 16
- ATMs
- 15
- Members
- 74,515
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
74,515 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | VIBE |
|---|---|
| Total Assets | $1.4B |
| Members | 74,515 |
| Loans Outstanding | $928.6M |
| Shares & Deposits | $1.2B |
| Net Worth | $160.6M |
| Net Worth Ratio | 11.78% |
| Loan-to-Share Ratio | 77.2% |
| Delinquency Rate | 0.98% |
| Net Income | +$11,126,720 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
16 locations · 15 ATMs
Waterford - County Campus Branch
1220 County Center Dr W
Waterford, MI 48328-1904
Clarkston Branch
6580 Dixie Hwy
Clarkston, MI 48346-3419
Oxford Branch
968 N Lapeer Rd
Oxford, MI 48371-3619
Waterford - M59 Branch
6655 Highland Rd
Waterford, MI 48327
West Bloomfield Branch
7800 Pontiac Trl
West Bloomfield, MI 48323
Who Can Join VIBE?
Membership Type: Community
Membership eligibility for VIBE may vary. Contact the credit union directly to confirm qualification requirements.
Contact VIBE directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Michigan RankingsFrequently Asked Questions
Yes. VIBE is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, VIBE has 74,515 members and a potential membership field of 5,075,000 people.
VIBE's net worth ratio is 11.78% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 11.8%, VIBE meets this threshold.
VIBE operates 16 branch locations and has access to 15 ATMs. The main office is located at 44575 W Twelve Mile Rd, Novi, MI 48377-2505.
VIBE was established in 1953. It is a state-chartered credit union chartered under charter number 61522. The institution has been serving members for 73 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or VIBE. All financial data is for informational purposes only.