Civic Intelligence

Via Credit Union

990 • Fiscal year 2012 • EIN 35-0884006

Jan 01, 2012 to Dec 31, 2012 • Filed on Apr 11, 2013

Organization ProfileWWW.VIACU.ORG

View Organization Page

4505 S Adams St46953
Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

35th percentile

0.89x

Higher debt load relative to assets than 35% of similar nonprofits.

2012 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2012

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on this filing.

Source year 2012

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2012

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2012

Asset Growth

66th percentile

7.3%

Faster asset growth than 66% of similar nonprofits.

2012 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2011 to 2012

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets35th percentile

Assets

Up

$286,587,795

Up $19,619,717 (+7.3%) from 2011

Net Assets

Up

$32,404,852

Up $1,991,686 (+6.5%) from 2011

Liabilities

Up

$254,182,943

Up $17,628,031 (+7.5%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$10,719,062

Down $315,542 (-2.9%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth66th percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$600M$400M$200M$0Assets 2010: $253,891,317Liabilities 2010: $224,980,053Net Assets 2010: $28,911,2642010Assets 2011: $266,968,078Liabilities 2011: $236,554,912Net Assets 2011: $30,413,1662011Assets 2012: $286,587,795Liabilities 2012: $254,182,943Net Assets 2012: $32,404,8522012Assets 2013: $298,327,172Liabilities 2013: $264,103,404Net Assets 2013: $34,223,7682013Assets 2014: $308,878,262Liabilities 2014: $272,716,109Net Assets 2014: $36,162,1532014Assets 2015: $313,904,688Liabilities 2015: $275,552,658Net Assets 2015: $38,352,0302015Assets 2016: $323,402,288Liabilities 2016: $282,995,487Net Assets 2016: $40,406,8012016Assets 2017: $341,489,143Liabilities 2017: $297,030,568Net Assets 2017: $44,458,5752017Assets 2018: $360,759,938Liabilities 2018: $313,809,928Net Assets 2018: $46,950,0102018Assets 2019: $395,968,027Liabilities 2019: $346,474,886Net Assets 2019: $49,493,1412019Assets 2020: $449,645,503Liabilities 2020: $398,711,123Net Assets 2020: $50,934,3802020Assets 2021: $517,398,165Liabilities 2021: $462,118,386Net Assets 2021: $55,279,7792021Assets 2024: $577,206,622Liabilities 2024: $507,071,355Net Assets 2024: $70,135,2672024

Highlighted filing

2012

Assets$286,587,795
Liabilities$254,182,943
Net Assets$32,404,852
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$40M$30M$20M$10M$0Expenses 2010: $10,968,7992010Expenses 2011: $11,034,6042011Expenses 2012: $10,719,0622012Revenue 2013: $12,358,097Expenses 2013: $10,539,182Net Income 2013: $1,818,9152013Revenue 2014: $12,174,456Expenses 2014: $10,236,071Net Income 2014: $1,938,3852014Revenue 2015: $12,296,989Expenses 2015: $10,107,112Net Income 2015: $2,189,8772015Revenue 2016: $12,665,991Expenses 2016: $10,611,220Net Income 2016: $2,054,7712016Revenue 2017: $13,592,806Expenses 2017: $11,081,032Net Income 2017: $2,511,7742017Revenue 2018: $15,165,541Expenses 2018: $12,674,106Net Income 2018: $2,491,4352018Revenue 2019: $16,839,844Expenses 2019: $14,296,713Net Income 2019: $2,543,1312019Revenue 2020: $16,858,903Expenses 2020: $15,417,664Net Income 2020: $1,441,2392020Revenue 2021: $18,473,040Expenses 2021: $14,127,641Net Income 2021: $4,345,3992021Revenue 2024: $31,379,952Expenses 2024: $25,479,380Net Income 2024: $5,900,5722024

Highlighted filing

2012

Revenue-
Expenses$10,719,062
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
Apr 11, 2013
Return Version
2012v2.1
Gross Receipts
$12,710,748
Mission and Program Overview

Mission

To serve the financially-related needs of our diverse membership while maintaining a sound, member-owned association. The credit union returns the profits to its members in the form of lower loan rates, higher savings rates, and free or low cost (continued on schedule o)

Major Activities

Activity 2
Via credit union offers free checking, requires no minimum balance and offers unlimited check writing. Members are able to manage the checking account through "via connect," our internet banking, or "pat" our automated telephone service. "via bill pay" allows you to pay your bills on line for free.
Activity 3
The credit union offers new and used auto loans, home equity loans, unsecured loans, mortgages and credit card loans at competitive loan rates, flexible terms and automatic payment options.
Filing and Contact Details

Filer

EIN
35-0884006
Raw XML AppendixShowing 400 of 509 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/Activity2/Description0VIA CREDIT UNION OFFERS FREE CHECKING, REQUIRES NO MINIMUM BALANCE AND OFFERS UNLIMITED CHECK WRITING. MEMBERS ARE ABLE TO MANAGE THE CHECKING ACCOUNT THROUGH "VIA CONNECT," OUR INTERNET BANKING, OR "PAT" OUR AUTOMATED TELEPHONE SERVICE. "VIA BILL PAY" ALLOWS YOU TO PAY YOUR BILLS ON LINE FOR FREE.
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IRS990/ActivityOrMissionDescription0TO SERVE THE FINANCIALLY-RELATED NEEDS OF OUR DIVERSE MEMBERSHIP WHILE MAINTAINING A SOUND, MEMBER-OWNED ASSOCIATION.
IRS990/ActivityOther/Description0THE CREDIT UNION'S SUPPORTING ORGANIZATION, VIA FINANCIAL GROUP, SELLS NONDEPOSIT INVESTMENT AND INSURANCE PRODUCTS TO CREDIT UNION MEMBERS AND OTHERS FROM ITS MARION, INDIANA OFFICE.
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IRS990/MissionDescription0TO SERVE THE FINANCIALLY-RELATED NEEDS OF OUR DIVERSE MEMBERSHIP WHILE MAINTAINING A SOUND, MEMBER-OWNED ASSOCIATION. EXPENSES ARE PAID AND RESERVES ARE SET ASIDE, THE CREDIT UNION RETURNS THE PROFITS TO THE MEMBERS IN THE FORM OF LOWER LOAN RATES, HIGHER SAVINGS RATES AND FREE OR LOW COST SERVICES. THE CREDIT UNION BRINGS FINANCIAL SERVICES TO PEOPLE WHO ARE UNABLE TO OBTAIN THEM ELSEWHERE OR AS A VALUABLE ALTERNATIVE TO THE TRADITIONAL FOR-PROFIT BANKING SYSTEM. THE CREDIT UNION RECEIVES DEPOSITS FROM AND MAKES LOANS TO ITS MEMBERS PRIMARILY LOCATED IN THE INDIANA COUNTIES OF BLACKFORD, GRANT, MADISON, AND MIAMI. THE MAJORITY OF ITS LOANS ARE COLLATERALIZED BY SPECIFIC ITEMS, INCLUDING CONSUMER ASSETS, RESIDENTIAL REAL ESTATE, AND MEMBER SHARE BALANCES.
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IRS990ScheduleD/Equipment/OtherCostOrOtherBasis03973481
IRS990ScheduleD/FederalIncomeTaxLiability00
IRS990ScheduleD/FootnoteInPartXIII0X
IRS990ScheduleD/Land/BookValue01250719
IRS990ScheduleD/Land/OtherCostOrOtherBasis01250719
IRS990ScheduleD/LeaseholdImprovements/BookValue00
IRS990ScheduleD/OtherLandBuildings/BookValue00
IRS990ScheduleD/OtherLiabilities/Amount0252378040
IRS990ScheduleD/OtherLiabilities/Description0MEMBERS' DEPOSITS
IRS990ScheduleD/TotalOfAmounts0252378040
IRS990ScheduleD/TotalOfBookValueLandBuildings06646534
IRS990ScheduleI/Form990ScheduleIPartIII/AmountOfCashGrant06000
IRS990ScheduleI/Form990ScheduleIPartIII/AmountOfNonCashAssistance00
IRS990ScheduleI/Form990ScheduleIPartIII/DescriptionOfNonCashAssistance0N/A
IRS990ScheduleI/Form990ScheduleIPartIII/MethodOfValuation0N/A
IRS990ScheduleI/Form990ScheduleIPartIII/NumberOfRecipients06
IRS990ScheduleI/Form990ScheduleIPartIII/TypeOfGrant0SCHOLARSHIPS
IRS990ScheduleI/RecordsMaintained0true
IRS990ScheduleJ/BoardOrCommitteeApproval0X
IRS990ScheduleJ/CompensationCommittee0X
IRS990ScheduleJ/CompensationSurvey0X
IRS990ScheduleJ/EquityBasedCompArrangement0false
IRS990ScheduleJ/Form990ScheduleJPartII/BaseCompensationFilingOrg0165678
IRS990ScheduleJ/Form990ScheduleJPartII/BonusFilingOrg0300
IRS990ScheduleJ/Form990ScheduleJPartII/BonusRelatedOrgs00
IRS990ScheduleJ/Form990ScheduleJPartII/CompBasedOnRelatedOrgs00
IRS990ScheduleJ/Form990ScheduleJPartII/CompReportPrior990FilingOrg00
IRS990ScheduleJ/Form990ScheduleJPartII/CompReportPrior990RelatedOrgs00
IRS990ScheduleJ/Form990ScheduleJPartII/DeferredCompFilingOrg015041
IRS990ScheduleJ/Form990ScheduleJPartII/DeferredCompRelatedOrgs00
IRS990ScheduleJ/Form990ScheduleJPartII/NamePerson0JOHN MCINTYRE
IRS990ScheduleJ/Form990ScheduleJPartII/NontaxableBenefitsFilingOrg014009
IRS990ScheduleJ/Form990ScheduleJPartII/NontaxableBenefitsRelatedOrgs00
IRS990ScheduleJ/Form990ScheduleJPartII/OtherCompensationFilingOrg00
IRS990ScheduleJ/Form990ScheduleJPartII/OtherCompensationRelatedOrgs00
IRS990ScheduleJ/Form990ScheduleJPartII/Title0CEO
IRS990ScheduleJ/Form990ScheduleJPartII/TotalCompensationFilingOrg0195028
IRS990ScheduleJ/Form990ScheduleJPartII/TotalCompensationRelatedOrgs00
IRS990/ScheduleJRequired0true
IRS990ScheduleJ/SeverancePayment0false
IRS990ScheduleJ/SupplementalNonqualRetirePlan0false
IRS990ScheduleO/GeneralExplanation/Explanation0VIA CREDIT UNION HAS ONE CLASS OF MEMBERS. ANYONE LIVING OR WORKING IN GRANT, BLACKFORD, MADISON OR MIAMI COUNTY IN INDIANA CAN JOIN VIA CREDIT UNION. FAMILY MEMBERS OF CURRENT MEMBERS AND ANYONE LIVING IN THE SAME HOUSEHOLD WITH A MEMBER ARE ELIGIBLE FOR MEMBERSHIP.
IRS990ScheduleO/GeneralExplanation/Explanation1VIA CREDIT UNION IS A MEMBER-OWNED CREDIT UNION WHERE EACH MEMBER HAS A VOTE. THE MEMBERS ELECT THE GOVERNING BODY OF THE ORGANIZATION EACH YEAR AT THE ANNUAL MEETING.
IRS990ScheduleO/GeneralExplanation/Explanation2THE MEMBERS MUST APPROVE ANY CHANGES TO THE ARTICLES OF INCORPORATION OR BYLAWS.
IRS990ScheduleO/GeneralExplanation/Explanation3UPON COMPLETION OF THE FORM 990, THE RETURN IS REVIEWED IN DETAIL BY MANAGEMENT. IN ADDITION, EACH MEMBER OF THE GOVERNING BODY RECEIVES A COPY OF THE FINAL FORM 990 BEFORE IT IS FILED WITH THE IRS.
IRS990ScheduleO/GeneralExplanation/Explanation4EACH OFFICER, KEY EMPLOYEE AND BOARD MEMBER SIGNS A CONFLICT OF INTEREST POLICY ANNUALLY. THE CEO RECEIVES AND REVIEWS ALL CONFLICT OF INTEREST FORMS. THE CEO'S CONFLICT OF INTEREST FORM IS REVIEWED BY THE BOARD PRESIDENT. IF ANY BOARD MEMBER DISCLOSES A CONFLICT, THAT PERSON WOULD BE EXCUSED FROM ANY DELIBERATIONS AND DECISIONS MADE.
IRS990ScheduleO/GeneralExplanation/Explanation5THE PERSONNEL COMMITTEE, COMPRISED OF BOARD MEMBERS, DETERMINES THE COMPENSATION FOR OFFICERS. HUMAN RESOURCES RECEIVES A SURVEY FROM AN INDEPENDENT CONSULTANT AND THIS SURVEY IS USED TO DETERMINE COMPENSATION. DELIBERATION AND RECORD OF THE DISCUSSION IS IN THE COMMITTEE MINUTES AND THE PROCESS WAS LAST UNDERTAKEN IN 2012.
IRS990ScheduleO/GeneralExplanation/Explanation6THE PERSONNEL COMMITTEE, COMPRISED OF BOARD MEMBERS, DETERMINES THE COMPENSATION FOR THE OFFICERS AND KEY EMPLOYEES. HUMAN RESOURCES RECEIVES A SURVEY FROM AN INDEPENDENT CONSULTANT AND THIS SURVEY IS USED TO DETERMINE COMPENSATION. RECORD OF THE DISCUSSION IS IN THE COMMITTEE MINUTES AND THE PROCESS WAS LAST UNDERTAKEN IN 2012.
IRS990ScheduleO/GeneralExplanation/Explanation7THE FINANCIAL STATEMENTS ARE POSTED EACH MONTH IN THE LOBBY OF EACH BRANCH. IN ADDITION, THE GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND FINANCIAL STATEMENTS ARE AVAILABLE UPON REQUEST.
IRS990ScheduleO/GeneralExplanation/Identifier0Classes of members or stockholders
IRS990ScheduleO/GeneralExplanation/Identifier1Members or stockholders electing members of governing body
IRS990ScheduleO/GeneralExplanation/Identifier2Decisions requiring approval by members or stockholders
IRS990ScheduleO/GeneralExplanation/Identifier3Review of form 990 by governing body
IRS990ScheduleO/GeneralExplanation/Identifier4Conflict of interest policy
IRS990ScheduleO/GeneralExplanation/Identifier5Process used to establish compensation of top management official
IRS990ScheduleO/GeneralExplanation/Identifier6Process used to establish compensation of other officers/key employees
IRS990ScheduleO/GeneralExplanation/Identifier7Governing documents, conflict of interest policy and financial statements available to the public
IRS990ScheduleO/GeneralExplanation/ReturnReference0Form 990, Part VI, Section A, Line 6

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2012 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$286,587,795
Liabilities
$254,182,943
Net assets
$32,404,852
Revenue
-
Expenses
$10,719,062
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$577$507$70.1$31.4$25.5$5.90
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$517$462$55.3$18.5$14.1$4.35
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$450$399$50.9$16.9$15.4$1.44
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$396$346$49.5$16.8$14.3$2.54
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$361$314$47.0$15.2$12.7$2.49
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$341$297$44.5$13.6$11.1$2.51
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$323$283$40.4$12.7$10.6$2.05
2015Detailed filing. Detailed filing data is available for this year.$314$276$38.4$12.3$10.1$2.19
2014Detailed filing. Detailed filing data is available for this year.$309$273$36.2$12.2$10.2$1.94
2013Detailed filing. Detailed filing data is available for this year.$298$264$34.2$12.4$10.5$1.82
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$287$254$32.4$10.7
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$267$237$30.4$11.0
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$254$225$28.9$11.0
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2012 filings • 501(c)14 • $250M-$1B nonprofits