2025-10-29T07:47:46+00:00 2024-12-31 440160260 Forvis Mazars LLP 820 Massachusetts Ave Suite 1370 Indianapolis IN 46204 990 2024-01-01 350884006 VIA Credit Union VIAC 7656746631 4505 S ADAMS ST MARION IN 46953 Lori Fiene CFO 7656746631 2025-10-29 true Michael Summers P00838533 3173834000 2024-11-15 2024 2025-03-06 01:10:19Z Cindy Kohlmorgen 4505 S ADAMS ST MARION IN 46953 31514869 false X WWW.VIACU.ORG X 1936 IN PEOPLE HELPING PEOPLE ACHIEVE FINANCIAL SUCCESS. 7 6 130 14 259618 72218 0 0 23640454 28137434 2209147 3242518 0 0 25849601 31379952 25250 15313 0 0 7700429 7785929 0 0 0 12892538 17678138 20618217 25479380 5231384 5900572 547170835 577206622 482936140 507071355 64234695 70135267 X VIA CREDIT UNION IS COMMITTED TO MEMBER SERVICE WHILE MAINTAINING FINANCIAL STABILITY. THE CREDIT UNION RETURNS THE PROFITS TO ITS MEMBERS IN THE FORM OF LOWER LOAN RATE, HIGHER SAVINGS RATES, AND FREE OR LOW COST SERVICES. 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, DELAWARE, MADISON, AND MIAMI. THE MAJORITY OF ITS LOANS ARE COLLATERALIZED BY SPECIFIC ITEMS, INCLUDING CONSUMER ASSETS, RESIDENTIAL REAL ESTATE, AND MEMBER SHARE BALANCES. false false 0 0 0 VIA CREDIT UNION OFFERS SEVERAL DIFFERENT SAVINGS ACCOUNTS. MEMBERSHIP SHARES ARE REQUIRED FOR MEMBERSHIP; SECONDARY SHARES CAN BE NAMED DIFFERENTLY FOR BUDGETING PURPOSES AND CHRISTMAS CLUB ACCOUNTS. VIA CREDIT UNION ALSO OFFERS MONEY MARKET AND PREMIER MONEY MARKET SHARE ACCOUNTS AND SEVERAL DIFFERENT TERMS OF SHARE CERTIFICATES. 0 0 0 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, VIA MOBILE OR VIAVOICE, OUR AUTOMATED TELEPHONE SERVICE. "VIA BILL PAY" ALLOWS YOU TO PAY YOUR BILLS ONLINE FOR FREE. 0 0 0 THE 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 OPTION OPTIONS. 0 0 0 THE CREDIT UNION'S WHOLLY OWNED SUBSIDIARY, VIA FINANCIAL GROUP, SELLS INSURANCE PRODUCTS TO CREDIT UNION MEMBERS AND OTHERS FROM ITS MARION, INDIANA OFFICE. 0 false false true false false false false false false false true false false false true false false true false false false false false false false false false true false true false false false false false false false false false false false false false false true false false false false false true 10421 0 true 130 true true true false false false false false false false X 7 6 false false false false true true true true true false true true true true true true true true true true false false IN X LORI FIENE 7656746631 4505 S ADAMS ST MARION IN 46953 CINDY KOHLMORGEN PRESIDENT/CEO/TREASURER OF THE BOARD 45.0 0.0 X X 262948 0 46796 CLYDE THORNELL BOARD PRESIDENT 1.0 0.0 X X 0 0 0 DELEANE SOLOMAN VICE CHAIRMAN 1.0 0.0 X X 0 0 0 JOHN VELASQUEZ SECRETARY 1.0 0.0 X X 0 0 0 GREG MAURER BOARD MEMBER 1.0 0.0 X 0 0 0 JOHN LIGHTLE BOARD MEMBER 1.0 0.0 X 0 0 0 VALERIE MCHARRY BOARD MEMBER 1.0 0.0 X 0 0 0 DEBBIE PARRIE CHIEF OPERATIONS OFFICER 43.0 0.0 X 143777 0 37207 GEORGETTE MILLER CHIEF CONSUMER LOAN OFFICER 45.0 0.0 X 119754 0 20271 KAREN MITCHENER CHIEF PEOPLE OFFICER 42.0 0.0 X 139943 0 14741 LORI FIENE CHIEF FINANCIAL OFFICER 44.0 0.0 X 171053 0 38392 MICHELLE PETERSON CHIEF MARKETING OFFICER 42.0 0.0 X 111974 0 38404 Kristen McDaniel VP of Applications Development 40.0 0.0 X 100912 0 22572 Paul McVicker VP Information Technology 40.0 0.0 X 104940 0 18685 1155301 0 237068 8 false true false Jack Henry & Associates Inc PO Box 609 Monett MO 65708 Core System Provider 500765 CDW DIRECT PO BOX 75723 CHICAGO IL 606755723 IT HARDWARE/SOFTWARE 156441 Appraiser Vendor LLC 107 N State Road 135 Suite 108 Greenwood IN 46142 Home appraisals 145705 TRUSTAGE PO BOX 4653 CAROL STREAM IL 601974653 BOND/ INSURANCE 134120 Mahalo Technologies Inc 850 Stephenson Hwy Suite 405 Troy MI 480831163 Home banking provider 133167 6 0 INTEREST ON LOANS 522100 22909303 22909303 SERVICE CHARGES AND FEES 522100 2502822 2458455 44367 INTERCHANGE INCOME 522100 1818341 1818341 INSURANCE AND INVESTMENT PRODUCTS INCOME 524298 483397 269783 213614 OTHER REVENUE 522100 423571 423571 0 0 0 0 28137434 3377435 1637 3375798 0 0 134917 0 -134917 -134917 -134917 0 0 0 0 0 0 31379952 27879453 259618 3240881 15313 1145260 4781540 465103 950098 443928 6616 72900 36525 324142 245314 958654 945929 626060 41191 71095 9425757 39908 539922 29353 PROVISION FOR LOAN LOSSES 2063052 NETWORK FEES 1286075 LOAN SERVICING & COLLECTION 755267 Other Expenses 194193 16185 25479380 4153795 3336740 18993388 35194950 0 0 0 0 430573384 432979600 729636 711570 13016726 8914381 4319750 4102345 80241239 92448409 0 0 161758 159359 7997885 8273649 547170835 577206622 4122926 3100126 0 0 478813214 503971229 482936140 507071355 64234695 70135267 64234695 70135267 547170835 577206622 5900572 0 X false true true false 7500 7500 7500 false ICUPAC PO BOX 50425 INDIANAPOLIS IN 46250 7500 0 Schedule C, Part I-A, Line 1 Description of Political Activities THE 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. 1114027 1114027 7869872 5798642 2071230 4032827 3115739 917088 4102345 Federal Income Taxes Members' Deposits 503971229 503971229 Schedule D, Part X ASC 740 DISCLOSURE: MANAGEMENT HAS EVALUATED THEIR INCOME TAX POSITIONS UNDER THE GUIDANCE INCLUDED IN ASC 740. BASED ON THEIR REVIEW, MANAGEMENT HAS NOT IDENTIFIED ANY MATERIAL UNCERTAIN TAX POSITIONS TO BE RECORDED OR DISCLOSED IN THE FINANCIAL STATEMENTS. true Boys and Girls Club of Grant County Inc 3402 S Meridian St Marion IN 46953 351065247 501(c)(3) 5000 SPONSORSHIP 1 Schedule I, Part I, Line 2 Procedures for monitoring use of grant funds VIA CREDIT UNION provides general support and sponsorships to section 501(c)(3) and 501(c)(19) tax exempt organizations and verifies the organizations status using the Guidestar website. X X X false false false CINDY KOHLMORGEN PRESIDENT/CEO/TREASURER OF THE BOARD 262948 0 0 0 0 0 24230 0 22566 0 309744 0 0 0 LORI FIENE CHIEF FINANCIAL OFFICER 171053 0 0 0 0 0 15826 0 22566 0 209445 0 0 0 MICHELLE PETERSON CHIEF MARKETING OFFICER 111974 0 0 0 0 0 10786 0 27618 0 150378 0 0 0 DEBBIE PARRIE CHIEF OPERATIONS OFFICER 143777 0 0 0 0 0 13481 0 23726 0 180984 0 0 0 KAREN MITCHENER CHIEF PEOPLE OFFICER 139943 0 0 0 0 0 12637 0 2104 0 154684 0 0 0 Form 990, Part III, Line 4a-4c Description of program services (Expenses $ 0 including grants of $ 0)(Revenue $ 0) THE CREDIT UNION'S WHOLLY OWNED SUBSIDIARY, VIA FINANCIAL GROUP, SELLS INSURANCE PRODUCTS TO CREDIT UNION MEMBERS AND OTHERS FROM ITS MARION, INDIANA OFFICE. Form 990, Part VI, Line 6 Classes of members or stockholders ALL ACCOUNT HOLDERS ARE MEMBERS (DEPOSITORS). ANYONE LIVING OR WORKING IN GRANT, BLACKFORD, MADISON, MIAMI, WELLS, TIPTON, HOWARD, WABASH, DELAWARE, HUNTINGTON, KOSCIUSKO OR HAMILTON COUNTY 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 MERGERS AND ANY OTHER ACTION REQUIRED BY LAW WOULD NEED TO BE APPROVED BY MEMBERSHIP. 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. THE FORM 990 IS ALSO REVIEWED BY AN INDEPENDENT FIRM. 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. CUNA COMPENSATION SALARY SURVEY DATA, BALANCEDCOMP SALARY DATA, AND SHRM SALARY COMPENSATION RESEARCH DATA WAS REFERENCED TO THE BOARD BY HUMAN RESOURCES. THIS SURVEY IS USED TO DETERMINE COMPENSATION. ALL OTHER POSITIONS WERE REVIEWED USING THE SAME PROCESS. DELIBERATION AND RECORD OF THE DISCUSSION IS IN THE COMMITTEE MINUTES AND THE PROCESS WAS LAST UNDERTAKEN IN 2024. Form 990, Part VI, Line 15b Process to establish compensation of other employees SAME AS FORM 990, PART VI, LINE 15A ABOVE 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. VIA FINANCIAL GROUP LLC 4505 S ADAMS STREET MARION IN 46953 351722168 INSURANCE SALES IN 89023 643968 VIA CU