Civic Intelligence

Via Credit Union

990 • Fiscal year 2017 • EIN 35-0884006

Jan 01, 2017 to Dec 31, 2017 • Filed on Sep 25, 2018

Organization Profilewww.viacu.org

View Organization Page

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4505 S Adams StMarion, IN 46953

(765) 674-6631

Siviq Scores

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

Liabilities / Assets

25th percentile

0.87x

Higher debt load relative to assets than 25% of similar nonprofits.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2017

Liabilities / Revenue

85th percentile

21.85x

Higher debt load relative to revenue than 85% of similar nonprofits.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2017

Net Margin

76th percentile

18%

Higher net margin than 76% of similar nonprofits.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2017

Top Officer Pay

5th percentile

$197,777

Higher top officer pay than 5% of similar nonprofits.

Top officer pay equals 1.5% of source-year revenue.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2017

Asset Growth

54th percentile

5.6%

Faster asset growth than 54% of similar nonprofits.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2016 to 2017

Revenue Growth

41st percentile

7.3%

Faster revenue growth than 41% of similar nonprofits.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets25th percentile

Assets

Up

$341,489,143

Up $18,086,855 (+5.6%) from 2016

Net Assets

Up

$44,458,575

Up $4,051,774 (+10%) from 2016

Liabilities

Up

$297,030,568

Up $14,035,081 (+5.0%) from 2016

Revenue And Expenses
Liabilities / Revenue85th percentileNet Margin76th percentile

Revenue

Up

$13,592,806

Up $926,815 (+7.3%) from 2016

Expenses

Up

$11,081,032

Up $469,812 (+4.4%) from 2016

Net Income

Up

$2,511,774

Up $457,003 (+22%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth54th 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

2017

Assets$341,489,143
Liabilities$297,030,568
Net Assets$44,458,575
Open 2017 Filing

Operations Trend

Revenue Growth41st percentile

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

2017

Revenue$13,592,806
Expenses$11,081,032
Net Income$2,511,774
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Sep 25, 2018
Return Version
2017v2.2
Gross Receipts
$13,592,806
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)

To serve the financially-related needs of our diverse membership while maintaining a sound, member-owned association.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$183,419,709$234,545,318▲ $51,125,609
Investments in Publicly Traded Securities$98,012,667$73,989,768▼ $24,022,899
Rtn Earn Endowment Incm Other Fnds$40,406,801$44,458,575▲ $4,051,774
Savings and Temporary Cash Investments$28,985,230$18,918,031▼ $10,067,199
Land, Buildings, and Equipment, Net$5,335,968$5,645,891▲ $309,923
Cash and Non-Interest-Bearing Accounts$3,242,021$3,249,193▲ $7,172
Prepaid Expenses and Deferred Charges$580,717$693,335▲ $112,618
Intangible Assets$19,451$334,513▲ $315,062
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc$0$0→ $0
Investments Other Securities$0--
Investments Program Related$0--
Loans From Officers Directors-$0-
Total Assets$323,402,288$341,489,143▲ $18,086,855
Other Assets Total$3,806,525$4,113,094▲ $306,569
Liabilities
Other Liabilities$280,495,112$293,609,810▲ $13,114,698
Accounts Payable and Accrued Expenses$2,500,375$3,420,758▲ $920,383
Total Liabilities$282,995,487$297,030,568▲ $14,035,081
Net Assets / Fund Balance
Total Net Assets Fund Balance$40,406,801$44,458,575▲ $4,051,774
Total Liabilities and Net Assets / Fund Balance$323,402,288$341,489,143▲ $18,086,855

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$3,778,954$3,425,052$7,204,006
Equipment$532,499$4,145,295$4,677,794
Land$1,305,764-$1,305,764
Other Land Buildings$28,674$396,973$425,647
Compensation and Service Providers
Top Officer Pay5th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
-CEO/treasurer of the BoardFT$170,004$27,773$197,777
-Executive VPFT$94,457$33,381$127,838
-CFOFT$88,024$29,112$117,136

Board Members and Trustees

NameTitle
-Board Chairman
-Vice Chairman
-Board Member
-Secretary of the Board

Highest Paid Contractors

ContractorServicesLocationCompensation
Jack Henry & Associates INCSymitar In House Computer ServicePO BOX 609, Monett, MO 65708$233,125
Symplexitycomputer hardware8181 W Jefferson Blvd, Fort Wayne, IN 46904$179,344
Equifax Information Servicescredit reportsPO box 71221, Charlotte, NC 28272-1221$108,751
JG Bowers INCconstruction work1629 S Joaquin Dr, Marion, IN 46952$102,827
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$11,866,725
Investment Income
$1,615,940
Other Revenue
$110,141
Change in Net Assets
$2,511,774
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$6,080,275
Salaries, Compensation, and Employee Benefits$4,994,757
Grants and Similar Amounts Paid$6,000
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$3,159,986
Interest---$1,296,822
Other Employee Benefits---$845,998
Office Expenses---$821,670
Depreciation Depletion---$562,930
Occupancy---$517,549
Current Officers, Directors, Trustees, and Key Employees---$442,751
Information Technology---$347,732
Pension Plan Contributions---$279,054
Payroll Taxes---$266,968
Advertising---$202,421
All Other Expenses$0$0$0$190,037
Conferences and Meetings---$153,906
Insurance---$113,650
Fees for Services Accounting---$42,250
Fees for Service Investment Mgmnt Fees---$38,620
Payments to Affiliates---$23,686
Other Expenses---$7,000
Grants to Domestic Individuals---$6,000
Fees for Services Legal---$5,258
Total Functional Expenses$0$0$0$11,081,032
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
Yes
Subject to proxy tax
No

Reported Spending and Taxes

Line ItemAmount
Political Expenditures$5,000
Total Exempt Function Spending$0
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Loans from Officers, Directors, Trustees, and Key Employees-$0-
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Members' Deposits$293,609,810
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
Yes
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Line 6 Classes of members or stockholders

“Via Credit Union has one class of members (depositors). Anyone living or working in Grant, Blackford, Madison, Miami,Wells,Tipton, Howard, Wabash, Delaware, Hunington, Kosciusko or Hamilton 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.”

Form 990, Part VI, Line 7A Members or stockholders electing members of governing body

“Via 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.”

Form 990, Part VI, Line 7B Decisions requiring approval by members or stockholders

“The members must approve any changes to the articles of incorporation or bylaws.”

Form 990, Part VI, Line 11B Review of form 990 by governing body

“Upon 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.”

Form 990, Part VI, Line 12C Conflict of interest policy

“Each 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 it is determined a conflict of interest exists, restrictions are imposed on persons with a conflict. For example, if any board member discloses a conflict, that person would be excused from any deliberations and decisions made.”

Form 990, Part VI, Line 15A Process to establish compensation of top management official

“The personnel committee, comprised of board members, determines the compensation for the CEO. 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 2017.”

Form 990, Part VI, Line 15B Process to establish compensation of other employees

“The 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 2017.”

Form 990, Part VI, Line 19 Required documents available to the public

“The 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.”

Filing and Contact Details

Filer

Filer Name
Via Credit Union
EIN
35-0884006
Phone
7656746631
Address
4505 S Adams St, Marion, IN 46953

Signing Officer

Name
Lori Fiene
Title
CFO
Signed
2018-09-25
Discuss with paid preparer
Yes

Organization Details

Formed
1936
Legal Domicile
In
Voting Board Members
10
Independent Board Members
9
Employees
101
Volunteers
12

Preparer

Firm
Crowe Llp
Address
3815 River Crossing Parkway Suite 3, 00, Indianapolis, IN 46240-0977
Preparer
Kim Scifres
Phone
3175698989
Supplemental Narrative

Additional Explanations

Form 990, Part III, Line 4D Description of other program services

“(Expenses $ including grants of $) THE CREDIT UNION'S WHOLLY OWNED SUBSIDIARY, VIA FINANCIAL GROUP, SELLS NONDEPOSIT INVESTMENT AND INSURANCE PRODUCTS TO CREDIT UNION MEMBERS AND OTHERS FROM ITS MARION, INDIANA OFFICE.”

Form 990, Part XI, Line 9 Other changes in net assets or fund balances

“United credit union acquisition/total equity - 1540000;”

Raw XML AppendixShowing 400 of 505 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/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/TitleTxt0Board Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt1Vice Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt2CEO/TREASURER OF THE BOARD
IRS990/Form990PartVIISectionAGrp/TitleTxt3Secretary of the Board
IRS990/Form990PartVIISectionAGrp/TitleTxt4Board member
IRS990/Form990PartVIISectionAGrp/TitleTxt5Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt6Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt7Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt8Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt9Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt10Executive VP
IRS990/Form990PartVIISectionAGrp/TitleTxt11CFO
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IRS990/GainOrLossGrp/SecuritiesAmt00
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IRS990/InsuranceGrp/TotalAmt0113650
IRS990/IntangibleAssetsGrp/BOYAmt019451
IRS990/IntangibleAssetsGrp/EOYAmt0334513
IRS990/InterestGrp/TotalAmt01296822
IRS990/InvestmentIncomeGrp/ExclusionAmt01615940
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt01615940
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IRS990/InvestmentsPubTradedSecGrp/EOYAmt073989768
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IRS990/IRPDocumentW2GCnt00
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IRS990/LandBldgEquipBasisNetGrp/BOYAmt05335968
IRS990/LandBldgEquipBasisNetGrp/EOYAmt05645891
IRS990/LandBldgEquipCostOrOtherBssAmt013613211
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IRS990/LoanOutstandingInd0false
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IRS990/LocalChaptersInd0true
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IRS990/MiscellaneousRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/MissionDesc0To 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 services. The credit union brings financial services to people who are unable to obtain them elsewhere or as a valuable alternative to the traditions for-profit banking system. The credit union receives deposit from and makes loans to its members primarily located in the Indiana counties of Blackford, Grant, Delaware, Madison and Miami. The majority of its loans are collateralized by specific items, including consumer assets, residential real estate, and member share balances.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt040406801
IRS990/NetAssetsOrFundBalancesEOYAmt044458575
IRS990/NetUnrelatedBusTxblIncmAmt068338
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt0517549
IRS990/OfficeExpensesGrp/TotalAmt0821670
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt03806525
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IRS990/OtherChangesInNetAssetsAmt01540000
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0845998
IRS990/OtherExpensesGrp/Desc0Provision for loan loss
IRS990/OtherExpensesGrp/Desc1NETWORK FEES
IRS990/OtherExpensesGrp/Desc2loan servicing & collection
IRS990/OtherExpensesGrp/Desc3TAX EXPENSE ON UNRELATED BUSINESS INCOME
IRS990/OtherExpensesGrp/TotalAmt0725500
IRS990/OtherExpensesGrp/TotalAmt1634901
IRS990/OtherExpensesGrp/TotalAmt2396343
IRS990/OtherExpensesGrp/TotalAmt37000
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IRS990/OtherLiabilitiesGrp/EOYAmt0293609810
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/Desc0OTHER REVENUE
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IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0110141
IRS990/OtherRevenueTotalAmt0110141
IRS990/OtherSalariesAndWagesGrp/TotalAmt03159986
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0183419709
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0234545318
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt023686
IRS990/PayrollTaxesGrp/TotalAmt0266968
IRS990/PensionPlanContributionsGrp/TotalAmt0279054
IRS990/PoliciesReferenceChaptersInd0true
IRS990/PoliticalCampaignActyInd0true
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0580717
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0693335
IRS990/PrincipalOfcrBusinessName/BusinessNameLine1Txt0David Abernathy
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/BusinessCd3524298
IRS990/ProgramServiceRevenueGrp/Desc0Interest on Loans
IRS990/ProgramServiceRevenueGrp/Desc1services charges and fees
IRS990/ProgramServiceRevenueGrp/Desc2INTERCHANGE INCOME
IRS990/ProgramServiceRevenueGrp/Desc3insurance and investment products income
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt08152998
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt11843863
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt21281338
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt3176470
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt08152998
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt11921726
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt21281338
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt3510663
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt077863
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt1334193
IRS990/ProgSrvcAccomActy2Grp/Desc0VIA 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, VIA MOBILE OR VIAVOICE, OUR AUTOMATED TELEPHONE SERVICE. "VIA BILL PAY" ALLOWS YOU TO PAY YOUR BILLS ON LINE FOR FREE.
IRS990/ProgSrvcAccomActy3Grp/Desc0THE CREDIT UNION OFFERS NEW AND USED AUTO LOANS, HOME EQUITY LOANS, UNSECURED LOANS, MORTGAGES, BUSINESS AND CREDIT CARD LOANS AT COMPETITIVE LOAN RATES, FLEXIBLE TERMS AND AUTOMATIC PAYMENT OPTIONS.
IRS990/ProgSrvcAccomActyOtherGrp/Desc0THE CREDIT UNION'S WHOLLY OWNED SUBSIDIARY, VIA FINANCIAL GROUP, SELLS NONDEPOSIT INVESTMENT AND INSURANCE PRODUCTS TO CREDIT UNION MEMBERS AND OTHERS FROM ITS MARION, INDIANA OFFICE.
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYGrantsAndSimilarPaidAmt06000
IRS990/PYInvestmentIncomeAmt01602427
IRS990/PYOtherExpensesAmt06134400
IRS990/PYOtherRevenueAmt021798
IRS990/PYProgramServiceRevenueAmt011041766
IRS990/PYRevenuesLessExpensesAmt02054771
IRS990/PYSalariesCompEmpBnftPaidAmt04470820
IRS990/PYTotalExpensesAmt010611220
IRS990/PYTotalRevenueAmt012665991
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt02511774
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt040406801
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt044458575
IRS990/SavingsAndTempCashInvstGrp/BOYAmt028985230
IRS990/SavingsAndTempCashInvstGrp/EOYAmt018918031
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleC/PoliticalExpendituresAmt05000
IRS990ScheduleC/SupplementalInformationDetail/ExplanationTxt0The credit union donated money to ICUPAC whose purpose is to raise funds and make contributions to legislators, without regard to party affiliation, who have demonstrated support for the legislative positions taken by credit unions represented by the Indiana Credit Union League
IRS990ScheduleC/SupplementalInformationDetail/FormAndLineReferenceDesc0Schedule C, Part I-A, Line 1 Description of Political Activities
IRS990ScheduleC/TotalExemptFunctionExpendAmt00
IRS990ScheduleD/BuildingsGrp/BookValueAmt03778954
IRS990ScheduleD/BuildingsGrp/DepreciationAmt03425052
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt07204006
IRS990ScheduleD/EquipmentGrp/BookValueAmt0532499
IRS990ScheduleD/EquipmentGrp/DepreciationAmt04145295
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt04677794
IRS990ScheduleD/LandGrp/BookValueAmt01305764
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt01305764
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt028674
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0396973
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0425647
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0293609810
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Members' Deposits
IRS990ScheduleD/TotalBookValueLandBuildingsAmt05645891
IRS990ScheduleD/TotalLiabilityAmt0293609810
IRS990ScheduleI/GrantRecordsMaintainedInd0true
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/CashGrantAmt06000
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/GrantTypeTxt0SCHOLARSHIPS
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/RecipientCnt06
IRS990ScheduleI/SupplementalInformationDetail/ExplanationTxt0To be eligible for a scholarship, a student must be a graduating high school senior, been a member of the Via Credit Union for at least one year and have a B average. In order for a scholarship recipient to receive the funds, he/she must provide a class schedule. A check is then made payable to the individual and the university they are attending, therefore both parties must endorse the check. The organization has a scholarship committee made up of one management team member, one board member and three at large members. The committee reviewed the applications and chose the 6 recipients.
IRS990ScheduleI/SupplementalInformationDetail/FormAndLineReferenceDesc0Schedule I, Part I, Line 2 Procedures for monitoring use of grant funds.
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990/ScheduleJRequiredInd0true
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount0350
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BusinessName/BusinessNameLine1Txt0David Abernathy
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CEO/TREASURER OF THE BOARD
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd0false
IRS990ScheduleJ/SubstantiationRequiredInd0true
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt0SPOUSAL TRAVEL/DAVID ABERNATHY/TREATED AS TAXABLE TO DAVID ABERNATHY
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc0Schedule J, Part I, Line 1a Travel for companions
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0false
IRS990ScheduleJ/TravelForCompanionsInd0X
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0(Expenses $ including grants of $) THE CREDIT UNION'S WHOLLY OWNED SUBSIDIARY, VIA FINANCIAL GROUP, SELLS NONDEPOSIT INVESTMENT AND INSURANCE PRODUCTS TO CREDIT UNION MEMBERS AND OTHERS FROM ITS MARION, INDIANA OFFICE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Via Credit Union has one class of members (depositors). Anyone living or working in Grant, Blackford, Madison, Miami,Wells,Tipton, Howard, Wabash, Delaware, Hunington, Kosciusko or Hamilton 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/SupplementalInformationDetail/ExplanationTxt2Via 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/SupplementalInformationDetail/ExplanationTxt3The members must approve any changes to the articles of incorporation or bylaws.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Upon 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/SupplementalInformationDetail/ExplanationTxt5Each 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 it is determined a conflict of interest exists, restrictions are imposed on persons with a conflict. For example, if any board member discloses a conflict, that person would be excused from any deliberations and decisions made.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6The personnel committee, comprised of board members, determines the compensation for the CEO. 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 2017.

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$341,489,143
Liabilities
$297,030,568
Net assets
$44,458,575
Revenue
$13,592,806
Expenses
$11,081,032
Net income
$2,511,774
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
2017Detailed filing. Detailed filing data is available for this year.$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
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