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
- 74,399
- Membership Type
- Community
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
Under CUScore's rules, this institution reports a net worth ratio of at least 10% and a delinquency rate below 1%. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
74,399 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | VIBE |
|---|---|
| Total Assets | $1.6B |
| Members | 74,399 |
| Loans Outstanding | $924.3M |
| Shares & Deposits | $1.2B |
| Net Worth | $162.9M |
| Net Worth Ratio | 10.35% |
| Loan-to-Share Ratio | 74.8% |
| Delinquency Rate | 0.90% |
| Net Income | +$0 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
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.
Find More Credit Unions in Michigan
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View Michigan RankingsFrequently Asked Questions
VIBE is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, VIBE has 74,399 members and a potential membership field of 5,075,000 people.
VIBE's reported net worth ratio is 10.35% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
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 (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or VIBE. All financial data is for informational purposes only.