VIA CREDIT UNION

Charter #68572 | IN

500M-750M (169 CUs) Community (281 CUs)
5 500M-750M in IN

VIA CREDIT UNION has 2 strengths but faces 4 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 0.52% above tier average
  • + Efficiency Ratio: Top 5.3% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 10.2% in tier
  • - Indirect Auto Dependency: Bottom 10.5% in tier
  • - Liquidity Overhang: Bottom 30.7% in tier
  • - Indirect Auto Concentration (%): Bottom 3.6% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Members 37,491
-0.5% YoY-0.0% QoQ
 -2.3K 39,752
-2.7% YoY
 22,637
+3.1% YoY
 33,089
+6.1% YoY
 48th in tier
Assets $576.3M
+0.9% YoY-0.4% QoQ
 $-46.1M $622.4M
+0.3% YoY
 $383.9M
+8.8% YoY
 $547.7M
+7.8% YoY
 34th in tier
Loans $436.8M
-1.7% YoY+0.1% QoQ
 +$892K $435.9M
-0.4% YoY
 $276.9M
+7.4% YoY
 $388.7M
+8.6% YoY
 49th in tier
Deposits $497.4M
-0.3% YoY-0.9% QoQ
 $-40.7M $538.0M
+1.3% YoY
 $323.0M
+10.5% YoY
 $464.6M
+9.3% YoY
 31st in tier
ROA 1.2%
+17.8% YoY+8.7% QoQ
 +0.5% 0.7%
+33.9% YoY
 0.9%
+24.5% YoY
 0.7%
+273.4% YoY
 Top 13.6% in tier
NIM 3.3%
+12.4% YoY+2.7% QoQ
 -0.2% 3.4%
+8.6% YoY
 3.8%
+8.0% YoY
 3.7%
+5.0% YoY
 35th in tier
Efficiency Ratio 61.6%
-3.7% YoY-1.6% QoQ
 -16.5% 78.1%
-3.4% YoY
 77.7%
-3.5% YoY
 79.1%
-3.3% YoY
 Bottom 5.3% in tier
Delinquency Rate 0.6%
+93.3% YoY+16.6% QoQ
 -0.2 0.8%
-4.9% YoY
 1.3%
+19.3% YoY
 1.2%
-0.9% YoY
 49th in tier
Loan To Share 87.8%
-1.4% YoY+1.0% QoQ
 +6.8% 81.0%
-1.8% YoY
 69.6%
-2.1% YoY
 68.0%
-1.7% YoY
 64th in tier
AMR $24,918
-0.5% YoY-0.4% QoQ
 $-2K $26,482
+2.6% YoY
 $18,326
+4.3% YoY
 $19,418
+1.3% YoY
 50th in tier
CD Concentration 26.7%
+2.9% YoY+2.7% QoQ
 +2.2% 24.4%
+4.2% YoY
 19.0%
+9.9% YoY
 19.6%
+6.2% YoY
 58th in tier
Indirect Auto % 50.1%
-4.7% YoY-1.2% QoQ
 +36.1% 14.0%
-5.8% YoY
 11.0%
-3.5% YoY
 7.9%
-2.9% YoY
 Top 3.5% in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (3)

Credit Quality Pressure

risk
#253 of 736 • Bottom 10.2% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.31% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 281 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#169 of 525 • Bottom 10.5% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 0.93%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 50.08%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -0.45%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
525 of 281 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank worsening

Liquidity Overhang

risk
#475 of 552 • Bottom 30.7% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 13.06%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 87.83%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 281 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 169 peers in tier

Top Strengths (3 metrics)

10
Efficiency Ratio
profitability
Value: 61.64%
Peer Avg: 78.10%
#10 of 169 Top 5.3% in 500M-750M tier
23
Return on Assets (ROA)
profitability
Value: 1.18%
Peer Avg: 0.66%
#23 of 169 Top 13.0% in 500M-750M tier
30
Net Worth Ratio
risk
Value: 13.06%
Peer Avg: 10.94%
#30 of 169 Top 17.2% in 500M-750M tier

Top Weaknesses (5 metrics)

164
Indirect Auto Concentration (%)
balance_sheet
Value: 50.08%
Peer Avg: 16.19%
#164 of 169 Bottom 3.6% in 500M-750M tier
145
Deposit Growth Rate
growth
Value: -0.29%
Peer Avg: 5.25%
#145 of 169 Bottom 14.8% in 500M-750M tier
142
Fee Income Per Member
profitability
Value: $136.30
Peer Avg: $199.27
#142 of 169 Bottom 16.6% in 500M-750M tier
138
AMR Growth Rate
growth
Value: -0.49%
Peer Avg: 3.12%
#138 of 169 Bottom 18.9% in 500M-750M tier
136
Loan Growth Rate
growth
Value: -1.68%
Peer Avg: 4.04%
#136 of 169 Bottom 20.1% in 500M-750M tier