2026-09-22T10:20:19+00:00 2025-12-31 331498605 PLANTE & MORAN PLLC 2601 CAMBRIDGE CT SUITE 300 AUBURN HILLS MI 48326 990 2025-01-01 381497358 VIBE CREDIT UNION VIBE 2487359500 44575 W TWELVE MILE RD NOVI MI 48377 HEATHER THOMPSON CONTROLLER 2026-09-22 true DAVID LOWENTHAL CPA P00378651 2483757100 2026-06-23 2025 CHAZ RZEWNICKI 44575 W TWELVE MILE RD NOVI MI 48377 96147177 false X WWW.VIBECREDITUNION.COM X 1953 MI PROVIDE FINANCIAL SERVICES TO MEMBER OWNERS WITH A COMMON BOND 10 10 311 10 51497 0 0 0 70447528 77117486 16970340 19029691 0 0 87417868 96147177 186457 248660 0 25042546 28209392 0 0 0 57060957 62217689 82289960 90675741 5127908 5471436 1316659640 1363411645 1187498638 1215712077 129161002 147699568 TO ENHANCE THE FINANCIAL WELL-BEING OF OUR MEMBERS false false PROVIDE 74,515 MEMBERS WITH REGULAR SAVINGS, CHECKING, MONEY MARKETS, BUSINESS SAVINGS, IRA SAVINGS AND CERTIFICATES OF DEPOSIT ACCOUNTS TOTALING 174,013. PROVIDE 43,388 LOANS INCLUDING VEHICLE, RECREATIONAL VEHICLE, LINES OF CREDIT, CREDIT CARDS, HOME EQUITY, MORTGAGE, BUSINESS, SIGNATURE AND SHARED SECURED LOANS. OFFER AUTOMATED TELLER MACHINES (ATMS), DEBIT CARD, HOME BANKING, BILL PAYMENTS, COURTESY PAY, AND VARIOUS INSURANCE PRODUCTS TO OUR MEMBERSHIP. 0 false false false false false false false false false false true true false false true false true false false false false false false false false false false true false true false false false false false true false false false false false false false false false false false false false false true 21301 0 true 311 true true true false false false false false false false X 10 10 false false false false true true true true true false true true false true true true true true true true false false X ERIC HEINRICH 2487359500 44575 W TWELVE MILE ROAD NOVI MI 48377 ARTHUR FRASCA BOARD SECRETARY 2.0 0.0 X X 0 0 0 GAIA PIIR BOARD CHARIPERSON 4.0 0.0 X X 3948 0 0 STANLEY MOORE BOARD TREASURER 2.0 0.0 X X 824 0 0 STEPHEN WESTBROOKS VICE CHAIRPERSON 2.0 0.0 X X 4146 0 0 CHRISTA MURPHY DIRECTOR 1.0 0.0 X 934 0 0 COLLEEN BARTON DIRECTOR 1.0 0.0 X 0 0 0 DOUGLAS WILLIAMS DIRECTOR 1.0 0.0 X 1462 0 0 JENNA ROMAIN DIRECTOR 1.0 0.0 X 1299 0 0 MICHAEL IVANICS DIRECTOR 1.0 0.0 X 3948 0 0 MICHELLE SAUNDERS DIRECTOR 1.0 0.0 X 797 0 0 CHAZ RZEWNICKI PRESIDENT/CEO 37.5 0.0 X 757675 0 62299 ERIC HEINRICH CHIEF FINANCIAL OFFICER 37.5 0.0 X 357533 0 51580 JEFFREY PASCOE CHIEF OPERATIONS AND STRATEGY OFFICER 37.5 0.0 X 339224 0 52109 JENNIFER BLEAU CHIEF BRAND AND GROWTH OFFICER 37.5 0.0 X 273015 0 48199 JENNIFER WOESSNER CHIEF TALENT AND RETAIL OFFICER 37.5 0.0 X 348169 0 47492 ROBIN THOMPSON SENIOR VICE PRESIDENT (SVP) OF STRATEGIC IMPACT 37.5 0.0 X 277813 0 43099 STEVEN SMITH CHIEF TECHNOLOGY AND SECURITY OFFICER 37.5 0.0 X 295272 0 42498 TERESA DIGAETANO CHIEF CREDIT OFFICER 37.5 0.0 X 243694 0 38530 ANTHONY TAORMINA VP OF BUILDING OPERATIONS 37.5 0.0 X 162604 0 37513 JAY HEFEL VP OF DATA AND DIGITAL BANKING 37.5 0.0 X 177915 0 38365 MARGARET SPURLIN VP OF LENDING & COLLECTIONS 37.5 0.0 X 163763 0 34360 MICHAEL LIEBERMAN VP COMMERCIAL SERVICES & MORTGAGE SALES 37.5 0.0 X 229031 0 39491 MICHAEL LOWE COMMERCIAL LOAN OFFICER 37.5 0.0 X 204098 0 22284 3847164 0 557819 26 false true false DBSI 6950 W MORELOS PLACE STE 1 CHANDLER AZ 85226 CONSTRUCTION/REMODELING 2623172 CO-OP SOLUTIONS 9692 HAVEN AVE STE 300 RANCHO CUCAMONGA CA 91730 SHARED BRANCHING, ATM NETWORK, DEBIT CARDS 2525349 DIGITAL FIRST HOLDINGS LLC 864 SPRING STREET NW ATLANTA GA 30308 ONLINE BANKING, MOBILE DEPOSIT 1504547 RONNISCH CONSTRUCTION GROUP 4327 DELEMERE CT ROYAL OAK MI 48073 CONSTRUCTION/REMODELING 1303303 BUTLER ROWSE-OBERLE PLLC 24525 HARPER AVE ST CLAIR SHORES MI 48080 LEGAL SERVICES 855878 51 0 LOAN INTEREST 522100 57124243 57124243 FEES & OTHER INCOME 522100 19993243 19941746 51497 0 0 0 0 77117486 19029691 19029691 0 0 0 0 0 0 0 0 0 0 96147177 96095680 51497 0 248660 3295559 16853549 1892310 4686598 1481376 -4212 146250 0 2114732 3205617 4952534 2440158 126314 870033 28235154 2788570 641467 COLLECTION/LOAN SERVICE 5330959 PROVISION FOR LOAN LOSS 5655284 FRAUD EXPENSES 718212 EXAMINATION FEES 175200 4821417 90675741 6850502 6111237 103771446 46358308 22461580 26444617 405587 406053 0 0 878483454 922458498 2262478 3418609 53643383 21156866 29852851 32486517 242514545 298905966 0 922453 522410 29134744 26299430 1316659640 1363411645 3880719 3384213 0 0 0 1183617919 1212327864 1187498638 1215712077 X 129161002 147699568 129161002 147699568 1316659640 1363411645 X 5471436 13116837 -49707 X false true true false 7969561 7969561 30815828 11223737 19592091 2929639 804942 2124697 11882963 9128187 2754776 45392 0 45392 32486517 CLOSELY-HELD EQUITY INTERESTS FINANCIAL DERIVATIVES FEDERAL AGENCY SECURITIES AFS 262530665 F CERTIFICATES OF DEPOSIT 1985000 C PAID IN CAPITAL- ALLOYA CORP FCU 2710000 C FHLB STOCK 7875000 C INVESTMENT IN CUSOS 7873911 C EQUITY FUND 8743957 C TRUST INVESTMENT 4687433 C SUBORDINATED DEBT INVESTMENT 2500000 C NCUA CENTRAL LIQUIDITY FUND 298905966 FEDERAL INCOME TAXES OTHER LIABILITIES 7871929 POST RETIREMENT OBLIGATIONS 1059034 MEMBER SHARE ACCOUNTS 1203396901 1212327864 109576603 13116837 350336 13467173 96109430 37747 37747 96147177 91038037 400043 400043 90637994 37747 37747 90675741 SCHEDULE D, PART XI, LINE 2(D) OTHER REVENUES IN AUDITED FINANCIAL STATEMENTS NOT IN FORM 990 POSTRETIREMENT HEALTHCARE PLAN - -49707 CORE DEPOSIT INTANGIBLE - 400043 SCHEDULE D, PART XI, LINE 4(B) OTHER REVENUES IN FORM 990 NOT IN AUDITED FINANCIAL STATEMENTS REMOTE DEPOSIT CAPTURE EXPENSE - 37747 SCHEDULE D, PART XII, LINE 2(D) OTHER EXPENSES IN AUDITED FINANCIAL STATEMENTS NOT IN FORM 990 CORE DEPOSIT INTANGIBLE - 400043 SCHEDULE D, PART XII, LINE 4(B) OTHER EXPENSES IN FORM 990 NOT IN AUDITED FINANCIAL STATEMENTS REMOTE DEPOSIT CAPTURE EXPENSE - 37747 true HABITAT FOR HUMANITY OAKLAND COUNTY 150 OSMUN ST PONTIAC MI 48342 383244099 501(C)(3) 65000 GENERAL ASSISTANCE METRO FOOD RESCUE 6928 E KNOLLWOOD CIR WEST BLOOMFIELD MI 48322 851902179 501(C)(3) 53260 GENERAL ASSISTANCE LIGHTHOUSE OF OAKLAND COUNTY 46156 WOODWARD AVE PONTIAC MI 48342 382847849 501(C)(3) 50000 GENERAL ASSISTANCE HOSPITALITY HOUSE PO BOX 284 WALLED LAKE MI 48390 383635226 501(C)(3) 25000 GENERAL ASSISTANCE PONTIAC COMMUNITY FOUNDATION 79 OAKLAND AVE PONTIAC MI 48342 825321502 501(C)(3) 25000 GENERAL ASSISTANCE DISASTER RELIEF AT WORK 1556 N TELEGRAPH DR PONTIAC MI 48340 454900831 501(C)(3) 15000 GENERAL ASSISTANCE 6 0 SCHEDULE I, PART I, LINE 2 PROCEDURES FOR MONITORING USE OF GRANT FUNDS VIBE CREDIT UNION DONATES TO 501(C)(3) ORGANIZATIONS THAT FALL WITHIN STRATEGICALLY AND ORGANIZATIONALLY DEFINED PILLARS OF COMMUNITY SUPPORT. APPROVED REQUESTS FOLLOW A 501(C)(3) VERIFICATION ONBOARDING PROCESS. APPROVED DONATIONS ARE MONITORED BY OUR FOUNDATION AND COMMUNITY ENGAGEMENT DIRECTOR, AND AN INFORMATIONAL REPORT IS PROVIDED TO THE BOARD OF DIRECTORS ANNUALLY. X X true true X X X false true false CHAZ RZEWNICKI PRESIDENT/CEO 721222 0 0 0 36453 0 34988 0 27311 0 819974 0 0 0 ERIC HEINRICH CHIEF FINANCIAL OFFICER 273831 0 70000 0 13702 0 28865 0 22715 0 409113 0 0 0 JENNIFER WOESSNER CHIEF TALENT AND RETAIL OFFICER 256864 0 65000 0 26305 0 24873 0 22619 0 395661 0 0 0 JEFFREY PASCOE CHIEF OPERATIONS AND STRATEGY OFFICER 257345 0 65000 0 16879 0 29250 0 22859 0 391333 0 0 0 STEVEN SMITH CHIEF TECHNOLOGY AND SECURITY OFFICER 230648 0 46993 0 17631 0 23054 0 19444 0 337770 0 0 0 JENNIFER BLEAU CHIEF BRAND AND GROWTH OFFICER 210185 0 52500 0 10330 0 23625 0 24574 0 321214 0 0 0 ROBIN THOMPSON SENIOR VICE PRESIDENT (SVP) OF STRATEGIC IMPACT 193717 0 65000 0 19096 0 22789 0 20310 0 320912 0 0 0 TERESA DIGAETANO CHIEF CREDIT OFFICER 228418 0 0 0 15276 0 19342 0 19188 0 282224 0 0 0 MICHAEL LIEBERMAN VP COMMERCIAL SERVICES & MORTGAGE SALES 189616 0 39240 0 175 0 13459 0 26032 0 268522 0 0 0 MICHAEL LOWE COMMERCIAL LOAN OFFICER 90676 0 113382 0 40 0 18274 0 4010 0 226382 0 0 0 JAY HEFEL VP OF DATA AND DIGITAL BANKING 154719 0 23010 0 186 0 14726 0 23639 0 216280 0 0 0 ANTHONY TAORMINA VP OF BUILDING OPERATIONS 126153 0 27803 0 8648 0 14141 0 23372 0 200117 0 0 0 MARGARET SPURLIN VP OF LENDING & COLLECTIONS 148640 0 15027 0 96 0 14124 0 20236 0 198123 0 0 0 SCHEDULE J, PART I, LINE 1A TRAVEL FOR COMPANIONS THE BOARD OF DIRECTORS CAN RECEIVE REIMBURSEMENT OF FLIGHT, MEALS, AND REGISTRATION FEES FOR TRAVELING COMPANIONS. THIS IS TREATED AS A TAXABLE BENEFIT AND 1099'S ARE ISSUED FOR REIMBURSEMENTS FOR THE YEAR TOTALING OVER $600. SCHEDULE J, PART I, LINE 1A TAX INDEMNIFICATION AND GROSS-UP PAYMENTS PAID BOARD MEMBERS GROSS-UP PAYMENTS OF 30% FOR THE COMPANION TO OFFSET THE BENEFIT AND 1099'S ARE ISSUED FOR REIMBURSEMENTS FOR THE YEAR TOTALING OVER NONEMPLOYEE COMPENSATION INCURRED TAX LIABILITY. SCHEDULE J, PART I, LINE 3 ARRANGEMENT USED TO ESTABLISH THE TOP MANAGEMENT OFFICIAL'S COMPENSATION THE CREDIT UNION HIRES A THIRD-PARTY (HUMANIDEI) AS AN INDEPENDENT COMPENSATION CONSULTANT TO LOOK AT MARKET VALUES. THE CEO IS UNDER A WRITTEN EMPLOYMENT CONTRACT. HUMANIDEI UTILIZED A COMPENSATION SURVEY AND IT WAS APPROVED BY THE BOARD OF DIRECTORS. SCHEDULE J, PART I, LINE 4B SUPPLEMENTAL NONQUALIFIED RETIREMENT PLAN THE FOLLOWING INDIVIDUAL PARTICATED IN A 457(F) SUPPLEMENTAL NON-QUALIFIED RETIREMENT PLAN BUT DID NOT RECEIVE A DISTRIBUTION OR HAVE AN AMOUNT VEST IN THE PLAN. INDIVIDUALS BECOME VESTED IN THE PLAN IF THE PARTICIPANT REMAINS CONTINUOUSLY EMPLOYED WITH THE CREDIT UNION DURING THE SERVICE PERIOD: CHAZ RZEWNICKI THE CREDIT UNION HAS A SPLIT DOLLAR PLAN IN PLACE FOR THE FORMER PRESIDENT AND CEO, ALLAN MCMORRIS. THE CREDIT UNION MAKES A LOAN TO THE EXECUTIVE WHO BUYS A LIFE INSURANCE POLICY THAT CREATES A FUND FROM WHICH THE EXECUTIVE BORROWS TAX-FREE TO SUPPLEMENT RETIREMENT INCOME. FULL VESTING OF THIS ACCOUNT IS ACHIEVED IF FULL EMPLOYMENT IS MAINTINED TO VESTING DATE OR TERMINATION OF EMPLOYMENT DUE TO DISABILITY, INVOLUNTARY TERMINATION WITHOUT CAUSE, DEATH, OR A CHANGE IN CONTROL GREATER THAN 50% OF THE OWNERSHIP INTERESTS IN THE CREDIT UNION. THE LOAN RELATED TO THIS PLAN IS SHOWN ON SCHEDULE L. ALLAN MCMORRIS RETIRED PRESIDENT/CEO SPLIT DOLLAR LIFE INSURANCE AGREEMENT X 615957 406053 false true true 406053 FORM 990, PART VI, LINE 6 CLASSES OF MEMBERS OR STOCKHOLDERS THE CREDIT UNION HAS 74,515 MEMBERS AS OF DECEMBER 31, 2025. EACH MEMBER HAS ONE $5.00 SHARE IN THE CREDIT UNION. THE CREDIT UNION HAS A SINGLE CLASS OF MEMBERS WITH EQUAL RIGHTS OF OWNERSHIP, GOVERNANCE, AND VOTING. FORM 990, PART VI, LINE 7A MEMBERS OR STOCKHOLDERS ELECTING MEMBERS OF GOVERNING BODY THE BOARD OF DIRECTORS IS ELECTED BASED ON AN OPEN BALLOT FOR 3-YEAR TERMS. FORM 990, PART VI, LINE 7B DECISIONS REQUIRING APPROVAL BY MEMBERS OR STOCKHOLDERS CREDIT UNION DECISIONS THAT ARE SUBJECT TO MEMBERSHIP APPROVAL ARE BOARD OF DIRECTOR ELECTIONS, MERGER INTO ANOTHER CREDIT UNION, AND CHARTER CHANGES. FORM 990, PART VI, LINE 11B REVIEW OF FORM 990 BY GOVERNING BODY THE PRESIDENT/CEO APPROVES OUR ANNUAL FORM 990. THE RETURNS ARE MADE AVAILABLE TO THE BOARD OF DIRECTORS FOR REVIEW UPON REQUEST. FORM 990, PART VI, LINE 12C CONFLICT OF INTEREST POLICY ON AN ANNUAL BASIS, ALL DIRECTORS, OFFICERS, AND EMPLOYEES OF THE CREDIT UNION MUST ATTEST THAT THEY HAVE NO CONFLICTS OF INTEREST. ANY POTENTIAL CONFLICTS ARE REVIEWED BY THE AUDIT COMMITTEE AND THE FULL BOARD TO DETERMINE IF AN ACTUAL CONFLICT EXISTS. BOARD MEMBERS WITH A CONFLICT OF INTEREST WILL BE EXCUSED FROM PARTICIPATING IN DELIBERATIONS AND VOTING ON TRANSACTION(S) WHERE THE CONFLICT(S) EXIST. FORM 990, PART VI, LINE 15A PROCESS TO ESTABLISH COMPENSATION OF TOP MANAGEMENT OFFICIAL SALARY IS BASED ON CREDIT UNION PRESIDENT/CEO SALARY SURVEYS AND DETERMINED BY THE CREDIT UNION SIZE, COMPLEXITY, AND PERFORMANCE. THE CREDIT UNION USES INDUSTRY RELATED SURVEYS OBTAINED BY A THIRD PARTY (BALANCED COMP). THE BOARD'S HR COMMITTEE DETERMINES AND SETS THE PRESIDENT/CEO SALARY. FORM 990, PART VI, LINE 15B PROCESS TO ESTABLISH COMPENSATION OF OTHER EMPLOYEES THE CHIEF OF TALENT OFFICER PREPARES AND CONDUCTS THE EVALUATION PROCESS FOR KEY EMPLOYEES, WITH FINAL REVIEW PERFORMED BY THE PRESIDENT/CEO. THOSE SALARIES ARE BASED ON AN AVAILABLE SALARY SURVEY FROM A THIRD PARTY (BALANCED COMP) AND ARE PERFORMANCE BASED. FORM 990, PART VI, LINE 19 REQUIRED DOCUMENTS AVAILABLE TO THE PUBLIC FINANCIAL STATEMENTS ARE POSTED IN THE CREDIT UNION BRANCH LOBBIES. OTHER DOCUMENTS AND POLICIES ARE AVAILABLE UPON REQUEST. FORM 990, PART X, LINE 5 SCHEDULE L IS NOT REQUIRED FOR LOANS RECEIVABLE BALANCES ON FORM 990, PART X, LINE 5 IF THE LOANS ARE MADE BY THE CREDIT UNION TO THE DIRECTORS, OFFICERS, AND KEY EMPLOYEES ON THE SAME TERMS OFFERED TO OTHER MEMBERS OF THE CREDIT UNION. THEREFORE, THE CREDIT UNION HAS INCLUDED $1,368,669 AND $1,554,332 OF RECEIVABLES FROM CURRENT OFFICERS, DIRECTORS, TRUSTEES, KEY EMPLOYEES, AND HIGHEST COMPENSATED EMPLOYEES FOR 2025 AND 2024, RESPECTIVELY, WITHIN FORM 990, PART X, LINE 7. FORM 990, PART XI, LINE 9 OTHER CHANGES IN NET ASSETS OR FUND BALANCES POSTRETIREMENT HEALTH CARE PLAN - -49707; TOTAL - -49707;