Sep, 30, 2025 — VIBRANT CREDIT UNION is a federally insured state chartered credit union headquartered in MOLINE, IL with 4 branch locations and about $1.15 billion in total assets. Opened 91 years ago in 1935, VIBRANT CREDIT UNION has about 49,815 members and employs 146 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | VIBRANT CREDIT UNION |
|---|---|
| Address: (Main Office) | 6600 44th Ave MOLINE, IL 61265-8137 |
| Phone: | (800) 323-5109 |
| Fax: | |
| Website: | https://www.vibrantcreditunion.org |
| Branches: | 4 branch locations |
| Members: | 49,815 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 61093 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1935 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $1,151,880,248 |
| CEO/Manager: | Matthew P McCombs |
| Chairperson: | Nick Kremer |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 44,035,576 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 607,332,877 |
| Unsecured Loans | 56,921,358 |
| Other Loans | 228,485,947 |
| TOTAL LOANS | 892,825,219 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -6,082,660 |
| Land And Building | 28,772,826 |
| Other Fixed Assets | 4,693,069 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 8,307,676 |
| All Other Assets | 353,600 |
| TOTAL ASSETS | 1,151,880,248 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 2,216 |
| Notes & Interest Payable | 162,500,000 |
| Accounts Payable & Other Liabilities | 12,418,559 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 134,760,235 |
| Regular shares | 289,015,993 |
| All Other Shares & Deposits | 483,204,472 |
| TOTAL SHARES & DEPOSITS | 906,980,700 |
| TOTAL LIABILITIES | 1,081,901,475 |
| Regular Reserve | 0 |
| Other Reserves | -16,649,278 |
| Undivided Earnings | 86,628,051 |
| TOTAL EQUITY | 69,978,773 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 1,151,880,248 |
| INCOME & EXPENSE | |
| Loan Income | 43,420,615 |
| Investment Income | 7,612,354 |
| Other Income | 2,728,893 |
| Total Employee Compensation & Benefits | 12,475,416 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 14,679,760 |
| Non-operating Income & (Expense) | 5,921,005 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 10,853,313 |
| Cost of Funds | 25,896,515 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 5,580,711 |
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