WPublic & Societal BenefitEIN: 366068452· Ruling Year: 1936

Vibrant Credit Union

Moline, Illinois

BHealth Score
58B

Financial Health Score

9-metric score across financial health, operational efficiency, and organizational resilience. Based on IRS Form 990 data.

Above Average

How This Organization Compares

Compared to 9 peers in Public & Societal Benefit with $10M-$100M revenue

Working Capital Ratio (net assets ÷ expenses)

This Org1.25×
Peer Median11.38×
💰
$47.3M
Total Revenue
📊
$52.0M
Total Expenses
🏦
$65.2M
Net Assets
📋
$989.0M
Total Liabilities

Financial Trends

5-Year Trend Analysis

Financial Health Indicators

Revenue Growth
-1.3%
Year-over-year change (2022 → 2023)
Net Margin
-9.8%
Revenue minus expenses as % of revenue
Working Capital Ratio
1.25
Net assets divided by total expenses
Liabilities-to-Assets
93.8%
Total liabilities as % of total assets

Filing History

13 filings on record
YearRevenueExpensesAssets
2023$47,308,7121%$51,963,14022%$1,054,150,8842%
2022$47,909,1695%$42,724,5345%$1,031,061,7353%
2021$50,336,419$40,577,3266%$1,061,532,65611%
2020$50,170,9047%$43,350,1393%$954,829,68818%
2019$47,037,30813%$42,038,9798%$806,652,25312%
2018$41,594,59626%$38,930,41932%$717,178,97910%
2017$33,050,0346%$29,593,20018%$653,229,10012%
2016$31,176,36517%$25,066,2792%$581,503,8227%
2015$26,721,1576%$24,507,55410%$545,846,87914%
2014$25,263,2961%$22,344,9191%$478,186,2344%
2013$25,118,1471%$22,113,5613%$459,847,6112%
2012$25,367,8458%$21,542,8463%$452,822,8584%
2011$23,552,335$20,989,164$437,165,945

Frequently Asked Questions

What does Vibrant Credit Union do?

Vibrant Credit Union is a public & societal benefit nonprofit organization based in Illinois. It is classified under NTEE code W61 and is registered as a 501(c) tax-exempt organization with the IRS.

Is Vibrant Credit Union financially healthy?

Based on our 9-metric Financial Health Score model, Vibrant Credit Union has a score of 58/100 (Grade: B). This score evaluates working capital, surplus consistency, debt ratio, revenue trends, program spending, fundraising efficiency, executive compensation, revenue diversification, and vulnerability indicators.

How much revenue does Vibrant Credit Union generate?

Vibrant Credit Union reports $62.6M in annual revenue and holds $1.1B in total assets, based on IRS filings.

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