Via Credit Union

Via Credit Union Locations
4505 S Adams
Marion, IN 46953
1-877-673-3284
www.viacu.org

NCUA

Via Credit Union is headquartered in Marion and is the 21st largest credit union in the state of Indiana. It is also the 688th largest credit union in the nation. It was established in 1936 and as of December of 2012, it had grown to 73 employees and 24,060 members. Via Credit Union has a 5-star health rating.

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Top Mid-Term & Long-Term CD Rates at Via Credit Union in Indiana - 5/11/2012

Via Credit Union is offering some competitive rates on its mid-term and long-term CDs. First, there's a special 33-month CD and IRA CD with a 1.75% APY. Minimum deposit is $10,000. The credit union al ...

Special 33-Month CD at Via Credit Union in Indiana - Local Only - 2/23/2011

Via Credit Union is offering a special 2.21% APY 33-month CD and IRA CD. Minimum deposit is $10,000. The credit union also has some competitive standard CD and IRA CD rates including a 2.83% APY 5-yea ...



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See Rates for: Savings | Money Market | CD | IRA

Via Credit Union Savings Account Rates

ApyMinMaxProduct
0.25%--Membership Shares
0.25%--Secondary Shares
0.25%--Christmas Club

Via Credit Union Money Market Rates

ApyMinMaxProduct
0.55%$25k-Money Market IRA
0.55%$25k-Money Market HSA
0.55%$100k-Premier Money Market
0.40%$25k-Money Market

Via Credit Union CD Rates

ApyMinMaxProduct
1.91%$500-60-71 Month Share Certificate
1.71%$500-48-59 Month Share Certificate
1.40%$10k-33 Month Special Share Certificate
1.30%$500-36-47 Month Share Certificate
1.00%$500-30-35 Month Share Certificate
0.85%$500-24-29 Month Share Certificate
0.55%$500-18-23 Month Share Certificate
0.45%$1,200-ViaStart Up Share Certificate
0.45%$500-12-17 Month Share Certificate
0.35%$1k-6-11 Month Share Certificate
0.25%$1k-3-5 Month Share Certificate

Via Credit Union IRA Rates

ApyMinMaxProduct
1.91%$500-60-71 Month IRA Certificate
1.91%$500-60-71 Month HSA Certificate
1.71%$500-48-59 Month IRA Certificate
1.71%$500-48-59 Month HSA Certificate
1.40%$10k-33 Month Special IRA Certificate
1.40%$10k-33 Month Special HSA Certificate
1.30%$500-36-47 Month IRA Certificate
1.30%$500-36-47 Month HSA Certificate
1.00%$500-30-35 Month IRA Certificate
1.00%$500-30-35 Month HSA Certificate
0.85%$500-24-29 Month IRA Certificate
0.85%$500-24-29 Month HSA Certificate
0.55%$500-18-23 Month IRA Certificate
0.55%$500-18-23 Month HSA Certificate
0.45%$500-12-17 Month IRA Certificate
0.45%$500-12-17 Month HSA Certificate
0.35%$1k-6-11 Month IRA Certificate
0.35%$1k-6-11 Month HSA Certificate
0.25%$1k-3-5 Month IRA Certificate
0.25%$1k-3-5 Month HSA Certificate

Rates updated: 5/18/2013

Data for Q4 2012


Institution Statistics


VIA CREDIT UNION
NCUA #68572
BankRate ReportView
Year Chartered1936
Employees73
Primary Regulator

Assets and Liabilities

Assets$286.64 million
Loans$122.84 million
Deposits$252.43 million
Equity Capital$32.40 million
Loan Loss Allowance$976,000
Unbacked Noncurrent Loans$700,000
Real Estate Owned$87,000

Historic Data - December 2011

Assets$267.03 million
Equity Capital$30.41 million
Loan Loss Allowance$974,000
Unbacked Noncurrent Loans$1.03 million
Real Estate Owned$48,000

Profit Margin - Quarterly

Net Interest Margin5.18%
Return on Assets0.69%
Return on Equity6.14%
Interest Income$9.54 million
Non-Interest Income$3.17 million

Institution Health


Overall Score:
5 out of 5
5
Texas Ratio5
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2012 Via Credit Union had $787,000 in non-current loans and owned real-estate with $33.38 million in equity and loan loss allowances on hand to cover it. This gives Via Credit Union a Texas Ratio of 2.36% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend4
The Texas Ratio for Via Credit Union decreased slightly from 3.43% as of December 31, 2011 to 2.36% as of December 31, 2012, resulting in a positive change of 31.35%.This indicates that the balance sheet and financial strength for Via Credit Union has improved slightly in recent periods.
Deposit Growth5
In the past year, Via Credit Union has increased its total deposits by $17.62 million, resulting in 7.5% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Via Credit Union has shown is excellent.
Capitalization4
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Via Credit Union has $286.64 million in assets with $33.38 million in equity, resulting in a capitalization level of 11.65%, which is above average.
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