2013-07-19T15:00:15-05:00 2012-12-31 CROWE HORWATH LLP 3815 River Crossing Parkway Suite 300 Indianapolis IN 462400977 990 2012-01-01 350884006 VIA CREDIT UNION VIAC 7656746631 4505 S Adams St Marion IN 46953 LORI FIENE 2013-04-11 true Rachel Spurlock P00520729 3175698989 2012 2016-02-24 21:20:13Z JOHN MCINTYRE 4505 S Adams St Marion IN 46953 12710748 false X WWW.VIACU.ORG X 1936 IN TO SERVE THE FINANCIALLY-RELATED NEEDS OF OUR DIVERSE MEMBERSHIP WHILE MAINTAINING A SOUND, MEMBER-OWNED ASSOCIATION. 11 10 84 13 333561 -16368 0 0 10380538 10539371 2373833 2135478 45695 35899 12800066 12710748 6000 6000 0 0 4047779 4084280 0 0 0 6980825 6628782 11034604 10719062 1765462 1991686 266968078 286587795 236554912 254182943 30413166 32404852 TO SERVE THE FINANCIALLY-RELATED NEEDS OF OUR DIVERSE MEMBERSHIP WHILE MAINTAINING A SOUND, MEMBER-OWNED ASSOCIATION. EXPENSES ARE PAID AND RESERVES ARE SET ASIDE, THE CREDIT UNION RETURNS THE PROFITS TO THE 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, 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 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. 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 "PAT" OUR AUTOMATED TELEPHONE SERVICE. "VIA BILL PAY" ALLOWS YOU TO PAY YOUR BILLS ON LINE FOR FREE. 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. THE CREDIT UNION'S SUPPORTING ORGANIZATION, VIA FINANCIAL GROUP, SELLS NONDEPOSIT INVESTMENT AND INSURANCE PRODUCTS TO CREDIT UNION MEMBERS AND OTHERS FROM ITS MARION, INDIANA OFFICE. false false false false false false false false false true false false false true true false true false false false false false false false false false false true true false false false false false false false false false false true false false false false true 9250 0 true 84 true true true false false false false false X 11 10 false false false false true true true true true false true true true true true true true true true true false IN X Lori Fiene 7656746631 4505 SOUTH ADAMS ST Marion IN 46953 CLYDE THORNELL 1.00 X X 0 0 0 FRANCES PACK 1.00 X X 0 0 0 JOHN MCINTYRE 44.00 X X 165978 0 29050 VERLIS SLUSHER 1.00 X X 0 0 0 DELEANE SOLOMAN 1.00 X 0 0 0 GREG MAURER 1.00 X 0 0 0 HERB MORGAN 1.00 X 0 0 0 JACK SHAFFNER 1.00 X 0 0 0 JOHN LIGHTLE 1.00 X 0 0 0 ROGER ROTH 1.00 X 0 0 0 TIMOTHY MITCHENER 1.00 X 0 0 0 LORI FIENE 43.00 X 77588 0 22169 243566 0 51219 1 false true false ANTHEM BLUE CROSS AND BLUE SHIELD PO BOX 105113 ATLANTA GA 303485113 INSURANCE 514093 JACK HENRY & ASSOCIATES INC PO BOX 609 MONETT MO 65708 SYMITAR IN HOUSE COMPUTER SERVICE 214578 LAWYERS TITLE INSURANCE CORPORATION 1751 N JEFFERSON ST HUNTINGTON IN 46750 LOAN TITLE INSURANCE 120688 CUNA MUTUAL GROUP PO BOX 2964 MILWAUKEE WI 532012964 INSURANCE 120688 6 0 INTEREST ON LOANS 522100 7404375 7404375 SERVICE CHARGES AND FEES 522100 1887786 1848199 39587 INSURANCE AND INVESTMENT PRODUCTS INCOME 524298 296432 16842 279590 INTERCHANGE INCOME 522100 950778 950778 0 0 0 0 0 10539371 2135478 2135478 0 0 2365 2365 0 2365 2365 0 0 0 0 0 0 0 0 0 33534 19150 14384 0 33534 12710748 10239344 333561 2137843 6000 0 296648 2831381 250995 465342 239914 4039 40500 0 44222 82815 343568 525971 213576 467362 18721 49336 2134398 502235 95269 PROVISION FOR LOAN LOSS 580770 NCUSIF PREMIUM ASSESSMENT 222921 LOAN SERVICING & COLLECTION 574712 NETWORK FEES 409282 319085 10719062 0 0 0 2735596 2766548 11889270 13751493 0 0 110399914 121939246 435674 570698 12099025 5452491 6869755 6646534 131516980 137782261 0 0 0 0 233271 172723 2887618 2958292 266968078 286587795 1810378 1804903 0 234744534 252378040 236554912 254182943 X 30413166 32404852 30413166 32404852 266968078 286587795 1991686 0 X false true true false 1250719 1250719 6874825 2174966 4699859 0 3973481 3277525 695956 0 6646534 0 MEMBERS' DEPOSITS 252378040 252378040 X true SCHOLARSHIPS 6 6000 0 N/A N/A X X X false false false JOHN MCINTYRE 165678 0 300 0 0 0 15041 0 14009 0 195028 0 0 0 Classes of members or stockholders Form 990, Part VI, Section A, Line 6 VIA CREDIT UNION HAS ONE CLASS OF MEMBERS. ANYONE LIVING OR WORKING IN GRANT, BLACKFORD, MADISON OR MIAMI 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. Members or stockholders electing members of governing body Form 990, Part VI, Section A, Line 7a 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. Decisions requiring approval by members or stockholders Form 990, Part VI, Section A, Line 7b THE MEMBERS MUST APPROVE ANY CHANGES TO THE ARTICLES OF INCORPORATION OR BYLAWS. Review of form 990 by governing body Form 990, Part VI, Section B, Line 11b 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. Conflict of interest policy Form 990, Part VI, Section B, Line 12c 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 ANY BOARD MEMBER DISCLOSES A CONFLICT, THAT PERSON WOULD BE EXCUSED FROM ANY DELIBERATIONS AND DECISIONS MADE. Process used to establish compensation of top management official Form 990, Part VI, Section B, Line 15a 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 2012. Process used to establish compensation of other officers/key employees Form 990, Part VI, Section B, Line 15b 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 2012. Governing documents, conflict of interest policy and financial statements available to the public Form 990, Part VI, Section C, Line 19 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 CREDIT UNION IN 279590 122609 VIA CREDIT UNION