VIA CREDIT UNION: Form 990, tax year 2014

View the entire original 990 at ProPublica ↗

Organization: VIA CREDIT UNION (EIN 35-0884006)
Tax period: 2014-01-01 to 2014-12-31
Filed: 2015-09-23
IRS object ID: 201532669349300223
Schema version: 2014v5.0
Source: Download XML · Original 990 at ProPublica

Every field in the e-filed return. Faint text is the IRS element name, for citing.

Return header
Form 990
Schedule D
Schedule I
Schedule J
Schedule O
Schedule R

Return header ReturnHeader

Field	Value	IRS element (for citing)
Return	2015-09-23T12:00:15-05:00	ReturnTs
Tax Period End	2014-12-31	TaxPeriodEndDt

Preparer Firm PreparerFirmGrp

Field	Value	IRS element (for citing)
Preparer Firm EIN	350921680	PreparerFirmEIN

Preparer Firm Name PreparerFirmName

Field	Value	IRS element (for citing)
Business Name Line1	CROWE HORWATH LLP	BusinessNameLine1Txt

Preparer US Address PreparerUSAddress

Field	Value	IRS element (for citing)
Address Line1	3815 River Crossing Parkway	AddressLine1Txt
Address Line2	Suite 300	AddressLine2Txt
City	Indianapolis	CityNm
State Abbreviation	IN	StateAbbreviationCd
ZIP	462400977	ZIPCd

Field	Value	IRS element (for citing)
Return Type	990	ReturnTypeCd
Tax Period Begin	2014-01-01	TaxPeriodBeginDt

Filer Filer

Field	Value	IRS element (for citing)
EIN	350884006	EIN

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	Via Credit Union	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Business Name Control	VIAC	BusinessNameControlTxt
Phone	7656746631	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	4505 S Adams St	AddressLine1Txt
City	Marion	CityNm
State Abbreviation	IN	StateAbbreviationCd
ZIP	46953	ZIPCd

Business Officer BusinessOfficerGrp

Field	Value	IRS element (for citing)
Person	Lori Fiene	PersonNm
Person Title	CFO	PersonTitleTxt
Signature	2015-09-23	SignatureDt
Discuss With Paid Preparer	Yes (true)	DiscussWithPaidPreparerInd

Preparer Person PreparerPersonGrp

Field	Value	IRS element (for citing)
Preparer Person	Rachel Spurlock	PreparerPersonNm
PTIN	P00520729	PTIN
Phone	3175698989	PhoneNum

Field	Value	IRS element (for citing)
Tax	2014	TaxYr
Build TS	2016-02-25 16:41:14Z	BuildTS

Form 990 IRS990

Principal Ofcr Business Name PrincipalOfcrBusinessName

Field	Value	IRS element (for citing)
Business Name Line1	David Abernathy	BusinessNameLine1Txt

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	4505 S Adams St	AddressLine1Txt
City	Marion	CityNm
State Abbreviation	IN	StateAbbreviationCd
ZIP	46953	ZIPCd

Field	Value	IRS element (for citing)
Gross Receipts	$12,174,456	GrossReceiptsAmt
Group Return For Affiliates	false	GroupReturnForAffiliatesInd
Organization501c	Yes (X)	Organization501cInd
Website Address	www.viacu.org	WebsiteAddressTxt
Type Of Organization Corp	Yes (X)	TypeOfOrganizationCorpInd
Formation	1936	FormationYr
Legal Domicile State	IN	LegalDomicileStateCd
Activity Or Mission	To serve the financially-related needs of our diverse membership while maintaining a sound, member-owned association.	ActivityOrMissionDesc
Voting Members Governing Body	11	VotingMembersGoverningBodyCnt
Voting Members Independent	10	VotingMembersIndependentCnt
Total Employee	88	TotalEmployeeCnt
Total Volunteers	13	TotalVolunteersCnt
Total Gross UBI	$392,780	TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm	$52,044	NetUnrelatedBusTxblIncmAmt
PY Contributions Grants	$0	PYContributionsGrantsAmt
CY Contributions Grants	$0	CYContributionsGrantsAmt
PY Program Service Revenue	$10,539,862	PYProgramServiceRevenueAmt
CY Program Service Revenue	$10,509,936	CYProgramServiceRevenueAmt
PY Investment Income	$1,784,230	PYInvestmentIncomeAmt
CY Investment Income	$1,630,550	CYInvestmentIncomeAmt
PY Other Revenue	$34,005	PYOtherRevenueAmt
CY Other Revenue	$33,970	CYOtherRevenueAmt
PY Total Revenue	$12,358,097	PYTotalRevenueAmt
CY Total Revenue	$12,174,456	CYTotalRevenueAmt
PY Grants And Similar Paid	$6,000	PYGrantsAndSimilarPaidAmt
CY Grants And Similar Paid	$6,000	CYGrantsAndSimilarPaidAmt
CY Benefits Paid To Members	$0	CYBenefitsPaidToMembersAmt
PY Salaries Comp Emp Bnft Paid	$4,176,764	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$4,248,811	CYSalariesCompEmpBnftPaidAmt
PY Total Prof Fndrsng Expns	$0	PYTotalProfFndrsngExpnsAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$6,356,418	PYOtherExpensesAmt
CY Other Expenses	$5,981,260	CYOtherExpensesAmt
PY Total Expenses	$10,539,182	PYTotalExpensesAmt
CY Total Expenses	$10,236,071	CYTotalExpensesAmt
PY Revenues Less Expenses	$1,818,915	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	$1,938,385	CYRevenuesLessExpensesAmt
Total Assets BOY	$298,327,172	TotalAssetsBOYAmt
Total Assets EOY	$308,878,262	TotalAssetsEOYAmt
Total Liabilities BOY	$264,103,404	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$272,716,109	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$34,223,768	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$36,162,153	NetAssetsOrFundBalancesEOYAmt
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 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, DELAWARE, MADISON, AND MIAMI. THE MAJORITY OF ITS LOANS ARE COLLATERALIZED BY SPECIFIC ITEMS, INCLUDING CONSUMER ASSETS, RESIDENTIAL REAL ESTATE, AND MEMBER SHARE BALANCES.	MissionDesc
Significant New Program Srvc	false	SignificantNewProgramSrvcInd
Significant Change	false	SignificantChangeInd
Desc	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.	Desc

Prog Srvc Accom Acty2 ProgSrvcAccomActy2Grp

Field	Value	IRS element (for citing)
Desc	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 VIAVOICE, OUR AUTOMATED TELEPHONE SERVICE. "VIA BILL PAY" ALLOWS YOU TO PAY YOUR BILLS ON LINE FOR FREE.	Desc

Prog Srvc Accom Acty3 ProgSrvcAccomActy3Grp

Field	Value	IRS element (for citing)
Desc	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.	Desc

Prog Srvc Accom Acty Other ProgSrvcAccomActyOtherGrp

Field	Value	IRS element (for citing)
Desc	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.	Desc

Field	Value	IRS element (for citing)
Total Program Service Expenses	$0	TotalProgramServiceExpensesAmt
Described In Section501c3	false	DescribedInSection501c3Ind
Schedule B Required	false	ScheduleBRequiredInd
Political Campaign Acty	false	PoliticalCampaignActyInd
Donor Advised Fund	false	DonorAdvisedFundInd
Conservation Easements	false	ConservationEasementsInd
Collections Of Art	false	CollectionsOfArtInd
Credit Counseling	false	CreditCounselingInd
Temp Or Permanent Endowments	false	TempOrPermanentEndowmentsInd
Report Land Building Equipment	Yes (true)	ReportLandBuildingEquipmentInd
Report Investments Other Sec	false	ReportInvestmentsOtherSecInd
Report Program Related Invst	false	ReportProgramRelatedInvstInd
Report Other Assets	false	ReportOtherAssetsInd
Report Other Liabilities	Yes (true)	ReportOtherLiabilitiesInd
Include FIN48 Footnote	Yes (true)	IncludeFIN48FootnoteInd
Independent Audit Fincl Stmt	false	IndependentAuditFinclStmtInd
Consolidated Audit Fincl Stmt	Yes (true)	ConsolidatedAuditFinclStmtInd
School Operating	false	SchoolOperatingInd
Foreign Office	false	ForeignOfficeInd
Foreign Activities	false	ForeignActivitiesInd
More Than5000 K To Org	false	MoreThan5000KToOrgInd
More Than5000 K To Individuals	false	MoreThan5000KToIndividualsInd
Professional Fundraising	false	ProfessionalFundraisingInd
Fundraising Activities	false	FundraisingActivitiesInd
Gaming Activities	false	GamingActivitiesInd
Operate Hospital	false	OperateHospitalInd
Grants To Organizations	false	GrantsToOrganizationsInd
Grants To Individuals	Yes (true)	GrantsToIndividualsInd
Schedule J Required	Yes (true)	ScheduleJRequiredInd
Tax Exempt Bonds	false	TaxExemptBondsInd
Loan Outstanding	false	LoanOutstandingInd
Grant To Related Person	false	GrantToRelatedPersonInd
Business Rln With Org Mem	false	BusinessRlnWithOrgMemInd
Business Rln With Fam Mem	false	BusinessRlnWithFamMemInd
Business Rln With Officer Ent	false	BusinessRlnWithOfficerEntInd
Deductible Non Cash Contri	false	DeductibleNonCashContriInd
Deductible Art Contribution	false	DeductibleArtContributionInd
Terminate Operations	false	TerminateOperationsInd
Partial Liquidation	false	PartialLiquidationInd
Disregarded Entity	Yes (true)	DisregardedEntityInd
Related Entity	false	RelatedEntityInd
Related Organization Ctrl Ent	false	RelatedOrganizationCtrlEntInd
Activities Conducted Prtshp	false	ActivitiesConductedPrtshpInd
Schedule O Required	Yes (true)	ScheduleORequiredInd
IRP Document	8381	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Backup Wthld Compliance	Yes (true)	BackupWthldComplianceInd
Employee	88	EmployeeCnt
Employment Tax Returns Filed	Yes (true)	EmploymentTaxReturnsFiledInd
Unrelated Bus Incm Over Limit	Yes (true)	UnrelatedBusIncmOverLimitInd
Form990 T Filed	Yes (true)	Form990TFiledInd
Foreign Financial Account	false	ForeignFinancialAccountInd
Prohibited Tax Shelter Trans	false	ProhibitedTaxShelterTransInd
Taxable Party Notification	false	TaxablePartyNotificationInd
Nondeductible Contributions	false	NondeductibleContributionsInd
Indoor Tanning Services	false	IndoorTanningServicesInd
Info In Schedule O Part VI	Yes (X)	InfoInScheduleOPartVIInd
Governing Body Voting Members	11	GoverningBodyVotingMembersCnt
Independent Voting Member	10	IndependentVotingMemberCnt
Family Or Business Rln	false	FamilyOrBusinessRlnInd
Delegation Of Mgmt Duties	false	DelegationOfMgmtDutiesInd
Change To Org Documents	false	ChangeToOrgDocumentsInd
Material Diversion Or Misuse	false	MaterialDiversionOrMisuseInd
Members Or Stockholders	Yes (true)	MembersOrStockholdersInd
Election Of Board Members	Yes (true)	ElectionOfBoardMembersInd
Decisions Subject To Approva	Yes (true)	DecisionsSubjectToApprovaInd
Minutes Of Governing Body	Yes (true)	MinutesOfGoverningBodyInd
Minutes Of Committees	Yes (true)	MinutesOfCommitteesInd
Officer Mailing Address	false	OfficerMailingAddressInd
Local Chapters	Yes (true)	LocalChaptersInd
Policies Reference Chapters	Yes (true)	PoliciesReferenceChaptersInd
Form990 Provided To Gvrn Body	Yes (true)	Form990ProvidedToGvrnBodyInd
Conflict Of Interest Policy	Yes (true)	ConflictOfInterestPolicyInd
Annual Disclosure Covered Prsn	Yes (true)	AnnualDisclosureCoveredPrsnInd
Regular Monitoring Enfrc	Yes (true)	RegularMonitoringEnfrcInd
Whistleblower Policy	Yes (true)	WhistleblowerPolicyInd
Document Retention Policy	Yes (true)	DocumentRetentionPolicyInd
Compensation Process CEO	Yes (true)	CompensationProcessCEOInd
Compensation Process Other	Yes (true)	CompensationProcessOtherInd
Investment In Joint Venture	false	InvestmentInJointVentureInd
States Where Copy Of Return Is Fld	IN	StatesWhereCopyOfReturnIsFldCd
Upon Request	Yes (X)	UponRequestInd

Books In Care Of Detail BooksInCareOfDetail

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	Lori Fiene	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Phone	7656746631	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	4505 SOUTH ADAMS ST	AddressLine1Txt
City	Marion	CityNm
State Abbreviation	IN	StateAbbreviationCd
ZIP	46953	ZIPCd

Form990 Part VII Section A Form990PartVIISectionAGrp (13 entries)

TitleTitleTxt	Average Hours Per WeekAverageHoursPerWeekRt	Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd	OfficerOfficerInd	Reportable Comp From OrgReportableCompFromOrgAmt	Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt	Other CompensationOtherCompensationAmt
Clyde Thornell
Chairman of the Board	1.00	Yes (X)	Yes (X)	$0	$0	$0
John Lightle
Vice Chairman of the board	1.00	Yes (X)	Yes (X)	$0	$0	$0
David Abernathy
CEO/TREASURER OF THE BOARD	46.00	Yes (X)	Yes (X)	$149,427	$0	$21,172
Frances Pack
Secretary of the Board	1.00	Yes (X)	Yes (X)	$0	$0	$0
Timothy Mitchener
Board Member	1.00	Yes (X)		$0	$0	$0
Deleane Soloman
Board Member	1.00	Yes (X)		$0	$0	$0
Roger Roth
Board Member	1.00	Yes (X)		$0	$0	$0
Herb Morgan
Board Member	1.00	Yes (X)		$0	$0	$0
Greg Maurer
Board Member	1.00	Yes (X)		$0	$0	$0
Jack Shaffner
Board Member	1.00	Yes (X)		$0	$0	$0
Verlis Slusher
Board member	1.00	Yes (X)		$0	$0	$0
Lori Fiene
CFO	43.00		Yes (X)	$82,773	$0	$23,464
John McIntyre
CEO (ended January 2014)	40.00		Yes (X)	$104,127	$0	$10,589

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$336,327	TotalReportableCompFromOrgAmt
Tot Reportable Comp Rltd Org	$0	TotReportableCompRltdOrgAmt
Total Other Compensation	$55,225	TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K	2	IndivRcvdGreaterThan100KCnt
Former Ofcr Employees Listed	false	FormerOfcrEmployeesListedInd
Total Comp Greater Than150 K	Yes (true)	TotalCompGreaterThan150KInd
Compensation From Other Srcs	false	CompensationFromOtherSrcsInd

Contractor Compensation ContractorCompensationGrp (3 entries)

Address Line1ContractorAddress/USAddress/AddressLine1Txt	CityContractorAddress/USAddress/CityNm	State AbbreviationContractorAddress/USAddress/StateAbbreviationCd	ZIPContractorAddress/USAddress/ZIPCd	ServicesServicesDesc	CompensationCompensationAmt
CUCare Welfare Benefit Plan Trust
5975 Castle Creek Pkwy E Dr 300	Indianapolis	IN	46250	INSURANCE	$506,294
JACK HENRY & ASSOCIATES INC
PO BOX 609	MONETT	MO	65708	SYMITAR IN HOUSE COMPUTER SERVICE	$160,785
APPRAISER VENDOR LLC
3195 W FAIRVIEW RD SUITE C	GREENWOOD	IN	46142	LOAN APPRAISALS	$122,755

Field	Value	IRS element (for citing)
Cntrct Rcvd Greater Than100 K	3	CntrctRcvdGreaterThan100KCnt
Federated Campaigns	$0	FederatedCampaignsAmt
Membership Dues	$0	MembershipDuesAmt
Fundraising	$0	FundraisingAmt
Related Organizations	$0	RelatedOrganizationsAmt
Government Grants	$0	GovernmentGrantsAmt
All Other Contributions	$0	AllOtherContributionsAmt
Noncash Contributions	$0	NoncashContributionsAmt
Total Contributions	$0	TotalContributionsAmt

Program Service Revenue ProgramServiceRevenueGrp (4 entries)

DescDesc	BusinessBusinessCd	Total Revenue ColumnTotalRevenueColumnAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt	Unrelated Business RevenueUnrelatedBusinessRevenueAmt
Interest on Loans	522100	$7,180,598	$7,180,598
services charges and fees	522100	$1,883,068	$1,839,869	$43,199
INTERCHANGE INCOME	522100	$1,075,951	$1,075,951
insurance and investment products income	524298	$370,319	$20,736	$349,583

Total Oth Program Service Rev TotalOthProgramServiceRevGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$0	TotalRevenueColumnAmt
Related Or Exempt Func Income	$0	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$0	UnrelatedBusinessRevenueAmt
Exclusion	$0	ExclusionAmt

Field	Value	IRS element (for citing)
Total Program Service Revenue	$10,509,936	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$1,630,550	TotalRevenueColumnAmt
Unrelated Business Revenue	-$2	UnrelatedBusinessRevenueAmt
Exclusion	$1,630,552	ExclusionAmt

Gross Rents GrossRentsGrp

Field	Value	IRS element (for citing)
Real	$0	RealAmt

Rental Income Or Loss RentalIncomeOrLossGrp

Field	Value	IRS element (for citing)
Real	$0	RealAmt
Personal	$0	PersonalAmt

Gain Or Loss GainOrLossGrp

Field	Value	IRS element (for citing)
Securities	$0	SecuritiesAmt
Other	$0	OtherAmt

Other Revenue Misc OtherRevenueMiscGrp

Field	Value	IRS element (for citing)
Desc	OTHER REVENUE	Desc
Business	522100	BusinessCd
Total Revenue Column	$33,970	TotalRevenueColumnAmt
Related Or Exempt Func Income	$33,970	RelatedOrExemptFuncIncomeAmt

Miscellaneous Revenue MiscellaneousRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$0	TotalRevenueColumnAmt
Related Or Exempt Func Income	$0	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$0	UnrelatedBusinessRevenueAmt
Exclusion	$0	ExclusionAmt

Field	Value	IRS element (for citing)
Other Revenue Total	$33,970	OtherRevenueTotalAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$12,174,456	TotalRevenueColumnAmt
Related Or Exempt Func Income	$10,151,124	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$392,780	UnrelatedBusinessRevenueAmt
Exclusion	$1,630,552	ExclusionAmt

Grants To Domestic Individuals GrantsToDomesticIndividualsGrp

Field	Value	IRS element (for citing)
Total	$6,000	TotalAmt

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

Field	Value	IRS element (for citing)
Total	$391,553	TotalAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$2,899,924	TotalAmt

Pension Plan Contributions PensionPlanContributionsGrp

Field	Value	IRS element (for citing)
Total	$225,785	TotalAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$490,262	TotalAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$241,287	TotalAmt

Fees For Services Legal FeesForServicesLegalGrp

Field	Value	IRS element (for citing)
Total	$5,165	TotalAmt

Fees For Services Accounting FeesForServicesAccountingGrp

Field	Value	IRS element (for citing)
Total	$42,100	TotalAmt

Fees For Srvc Invst Mgmnt Fees FeesForSrvcInvstMgmntFeesGrp

Field	Value	IRS element (for citing)
Total	$46,328	TotalAmt

Fees For Services Other FeesForServicesOtherGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt
Program Services	$0	ProgramServicesAmt
Management And General	$0	ManagementAndGeneralAmt
Fundraising	$0	FundraisingAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$290,857	TotalAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$740,619	TotalAmt

Information Technology InformationTechnologyGrp

Field	Value	IRS element (for citing)
Total	$299,212	TotalAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$481,459	TotalAmt

Conferences Meetings ConferencesMeetingsGrp

Field	Value	IRS element (for citing)
Total	$80,047	TotalAmt

Interest InterestGrp

Field	Value	IRS element (for citing)
Total	$1,623,010	TotalAmt

Payments To Affiliates PaymentsToAffiliatesGrp

Field	Value	IRS element (for citing)
Total	$28,097	TotalAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$499,281	TotalAmt

Insurance InsuranceGrp

Field	Value	IRS element (for citing)
Total	$98,038	TotalAmt

Other Expenses OtherExpensesGrp (3 entries)

DescDesc	TotalTotalAmt
Provision for loan loss	$335,146
NETWORK FEES	$486,669
loan servicing & collection	$695,056

All Other Expenses AllOtherExpensesGrp

Field	Value	IRS element (for citing)
Total	$230,176	TotalAmt
Program Services	$0	ProgramServicesAmt
Management And General	$0	ManagementAndGeneralAmt
Fundraising	$0	FundraisingAmt

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$10,236,071	TotalAmt
Program Services	$0	ProgramServicesAmt
Management And General	$0	ManagementAndGeneralAmt
Fundraising	$0	FundraisingAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

Field	Value	IRS element (for citing)
BOY	$3,755,761	BOYAmt
EOY	$3,947,477	EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

Field	Value	IRS element (for citing)
BOY	$21,440,939	BOYAmt
EOY	$30,935,028	EOYAmt

Receivables From Officers Etc ReceivablesFromOfficersEtcGrp

Field	Value	IRS element (for citing)
BOY	$0	BOYAmt

Rcvbl From Disqualified Prsn RcvblFromDisqualifiedPrsnGrp

Field	Value	IRS element (for citing)
BOY	$0	BOYAmt

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

Field	Value	IRS element (for citing)
BOY	$132,802,015	BOYAmt
EOY	$147,882,407	EOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

Field	Value	IRS element (for citing)
BOY	$453,819	BOYAmt
EOY	$414,851	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$12,618,242	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$6,512,270	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$6,479,077	BOYAmt
EOY	$6,105,972	EOYAmt

Investments Pub Traded Sec InvestmentsPubTradedSecGrp

Field	Value	IRS element (for citing)
BOY	$130,250,924	BOYAmt
EOY	$115,712,198	EOYAmt

Investments Other Securities InvestmentsOtherSecuritiesGrp

Field	Value	IRS element (for citing)
BOY	$0	BOYAmt

Investments Program Related InvestmentsProgramRelatedGrp

Field	Value	IRS element (for citing)
BOY	$0	BOYAmt

Intangible Assets IntangibleAssetsGrp

Field	Value	IRS element (for citing)
BOY	$122,836	BOYAmt
EOY	$80,870	EOYAmt

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$3,021,801	BOYAmt
EOY	$3,799,459	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$298,327,172	BOYAmt
EOY	$308,878,262	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$1,774,088	BOYAmt
EOY	$1,512,559	EOYAmt

Loans From Officers Directors LoansFromOfficersDirectorsGrp

Field	Value	IRS element (for citing)
BOY	$0	BOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$262,329,316	BOYAmt
EOY	$271,203,550	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$264,103,404	BOYAmt
EOY	$272,716,109	EOYAmt

Field	Value	IRS element (for citing)
Org Does Not Follow SFAS117	Yes (X)	OrgDoesNotFollowSFAS117Ind

Rtn Earn Endowment Incm Oth Fnds RtnEarnEndowmentIncmOthFndsGrp

Field	Value	IRS element (for citing)
BOY	$34,223,768	BOYAmt
EOY	$36,162,153	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$34,223,768	BOYAmt
EOY	$36,162,153	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$298,327,172	BOYAmt
EOY	$308,878,262	EOYAmt

Field	Value	IRS element (for citing)
Reconcilation Revenue Expnss	$1,938,385	ReconcilationRevenueExpnssAmt
Other Changes In Net Assets	$0	OtherChangesInNetAssetsAmt
Method Of Accounting Accrual	Yes (X)	MethodOfAccountingAccrualInd
Accountant Compile Or Review	false	AccountantCompileOrReviewInd
FS Audited	Yes (true)	FSAuditedInd

FS Audited Basis FSAuditedBasisGrp

Field	Value	IRS element (for citing)
Consolidated Basis Fincl Stmt	Yes (X)	ConsolidatedBasisFinclStmtInd

Field	Value	IRS element (for citing)
Audit Committee	Yes (true)	AuditCommitteeInd
Federal Grant Audit Required	false	FederalGrantAuditRequiredInd

Schedule D IRS990ScheduleD

Land LandGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$1,190,766	OtherCostOrOtherBasisAmt
Book Value	$1,190,766	BookValueAmt

Buildings BuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$6,874,825	OtherCostOrOtherBasisAmt
Depreciation	$2,672,389	DepreciationAmt
Book Value	$4,202,436	BookValueAmt

Equipment EquipmentGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$4,151,408	OtherCostOrOtherBasisAmt
Depreciation	$3,462,032	DepreciationAmt
Book Value	$689,376	BookValueAmt

Other Land Buildings OtherLandBuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$401,243	OtherCostOrOtherBasisAmt
Depreciation	$377,849	DepreciationAmt
Book Value	$23,394	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$6,105,972	TotalBookValueLandBuildingsAmt

Other Liabilities Org OtherLiabilitiesOrgGrp

Field	Value	IRS element (for citing)
Desc	Members' Deposits	Desc
Amt	$271,203,550	Amt

Field	Value	IRS element (for citing)
Total Liability	$271,203,550	TotalLiabilityAmt
Footnote Text	Yes (X)	FootnoteTextInd

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	Schedule D, Part X, Line 2 FIN 48 (ASC 740) footnote	FormAndLineReferenceDesc
Explanation	A tax position is recognized as a benefit only if it is "more likely than not" that the tax position would be sustained in a tax examination, with a tax examination being presumed to occur. The amount recognized is the largest amount of tax benefit that is greater than 50% likely of being realized on examination. For tax positions not meeting the "more likely than not" test, no tax benefit is recorded. The effect of adopting this new guidance was not significant to the Credit Union's financial statements. The Credit Union recognizes interest and/or penalties related to income tax matters in income tax expense.	ExplanationTxt

Schedule I IRS990ScheduleI

Field	Value	IRS element (for citing)
Grant Records Maintained	Yes (true)	GrantRecordsMaintainedInd

Grants Other Asst To Indiv In US GrantsOtherAsstToIndivInUSGrp

Field	Value	IRS element (for citing)
Grant Type	SCHOLARSHIPS	GrantTypeTxt
Recipient	6	RecipientCnt
Cash Grant	$6,000	CashGrantAmt
Non Cash Assistance	$0	NonCashAssistanceAmt

Supplemental Information Detail SupplementalInformationDetail (2 entries)

Form And Line ReferenceFormAndLineReferenceDesc

ExplanationExplanationTxt

Schedule I, Part I, Line 2 Description Of Procedure For Monitoring Use Of Grant Funds

To 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.

Schedule I, Part I, Line 2 Procedures for monitoring use of grant funds.

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
Compensation Committee	Yes (X)	CompensationCommitteeInd
Independent Consultant	Yes (X)	IndependentConsultantInd
Compensation Survey	Yes (X)	CompensationSurveyInd
Board Or Committee Approval	Yes (X)	BoardOrCommitteeApprovalInd
Severance Payment	false	SeverancePaymentInd
Supplemental Nonqual Rtr Plan	false	SupplementalNonqualRtrPlanInd
Equity Based Comp Arrngm	false	EquityBasedCompArrngmInd

Rltd Org Officer Trst Key Empl RltdOrgOfficerTrstKeyEmplGrp

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	David Abernathy	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Title	CEO/TREASURER OF THE BOARD	TitleTxt
Base Compensation Filing Org	$148,635	BaseCompensationFilingOrgAmt
Compensation Based On Rltd Orgs	$0	CompensationBasedOnRltdOrgsAmt
Bonus Filing Organization	$0	BonusFilingOrganizationAmount
Bonus Related Organizations	$0	BonusRelatedOrganizationsAmt
Other Compensation Filing Org	$792	OtherCompensationFilingOrgAmt
Other Compensation Rltd Orgs	$0	OtherCompensationRltdOrgsAmt
Deferred Compensation Flng Org	$13,669	DeferredCompensationFlngOrgAmt
Deferred Comp Rltd Orgs	$0	DeferredCompRltdOrgsAmt
Nontaxable Benefits Filing Org	$7,503	NontaxableBenefitsFilingOrgAmt
Nontaxable Benefits Rltd Orgs	$0	NontaxableBenefitsRltdOrgsAmt
Total Compensation Filing Org	$170,599	TotalCompensationFilingOrgAmt
Total Compensation Rltd Orgs	$0	TotalCompensationRltdOrgsAmt
Comp Report Prior990 Filing Org	$0	CompReportPrior990FilingOrgAmt
Comp Report Prior990 Rltd Orgs	$0	CompReportPrior990RltdOrgsAmt

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (9 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
CoreFormPartIII_PartIIILine4d 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 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 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 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 2014.
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 2014.
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.

Schedule R IRS990ScheduleR

Id Disregarded Entities IdDisregardedEntitiesGrp

Disregarded Entity Name DisregardedEntityName

Field	Value	IRS element (for citing)
Business Name Line1	VIA FINANCIAL GROUP LLC	BusinessNameLine1Txt

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	4505 S ADAMS STREET	AddressLine1Txt
City	MARION	CityNm
State Abbreviation	IN	StateAbbreviationCd
ZIP	46953	ZIPCd

Field	Value	IRS element (for citing)
EIN	351722168	EIN
Primary Activities	Investment and Insurance Sales	PrimaryActivitiesTxt
Legal Domicile State	IN	LegalDomicileStateCd
Total Income	$349,583	TotalIncomeAmt
End Of Year Assets	$245,724	EndOfYearAssetsAmt

Direct Controlling Entity Name DirectControllingEntityName

Field	Value	IRS element (for citing)
Business Name Line1	VIA CREDIT UNION	BusinessNameLine1Txt