# VIA CREDIT UNION
Marion, IN · NCUA charter 68572 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/via-credit-union-68572

Who the members are: state charter, organized 1936. 37,510 members of 887,000 potential (4.2% of the field); checking penetration 50% (share draft accounts per 100 members); loans per 100 members 73.

**Verdict on the desk:** this could be *auto monoline*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $606.3M |
| Members | 37,510 (0.2% YoY) |
| Full-time staff | 107 |
| Net worth | $77.5M |
| Net worth ratio | 12.8% (p80 of band) |
| ROA (annualized) | 0.33% (p23 of band) |
| Total delinquency | 0.57% (p49 of band) |
| Net charge-offs (annualized) | 0.50% (p57 of band) |
| Loans / shares | 85% (p61 of band) |
| Cash / assets | 7.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.32% (p40 of band) |
| Operating expense / assets | 2.49% (p11 of band) |
| Vehicles % of loans | 61% (p95 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 81% |
| Third-party paper % of net worth | 282% (p89 of band) |
| Vehicle delinquency | 0.70% (p60 of band) |
| Vehicle NCO | 0.97% (p57 of band) |
| Repossessed % of vehicle book | 0.01% (p39 of band) |
| Real estate % of loans | 27% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 17% |
| Core shares % of member funds | 39% |
| Certificates % of member funds | 27% |
| Average share balance | $6,644 |
| Participations bought / yr | $476,740 |
| Participations sold / yr | $0 |
| Participations outstanding | $3.6M |
| Loans outstanding per 100 members | 73% |
| Loans granted per 100 members, annualized | 17% |
| Average loan balance | $16,191 |
| Loans granted, annualized | $196.8M |

## Participation posture (from the same filings)

Bought $476,740 and sold $0 in the latest annualized quarter; $3.6M outstanding purchased (4.6% of net worth), $0 sold and retained. Sold in 0 and bought in 6 of the last 8 quarters. Shares 2.0% year over year.

## Flags firing in the latest filing

- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | 3rd-party paper>100% NW |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 3 | delinquency rising, auto monoline |  |
| 2018-03 | 2 |  | delinquency rising |
| 2018-06 | 3 | delinquency rising |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 2 |  | delinquency rising |
| 2019-03 | 3 | delinquency rising |  |
| 2019-06 | 2 |  | delinquency rising |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 3 | net worth falling |  |
| 2020-06 | 3 |  |  |
| 2020-09 | 2 |  | net worth falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | net worth falling |  |
| 2021-06 | 2 |  | net worth falling |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 3 | net worth falling |  |
| 2022-06 | 2 |  | net worth falling |
| 2022-09 | 3 | delinquency rising |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 3 |  |  |
| 2023-06 | 3 |  |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 2 |  | delinquency rising |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 3 | delinquency rising |  |
| 2025-06 | 2 |  | delinquency rising |
| 2025-09 | 3 | delinquency rising |  |
| 2025-12 | 2 |  | delinquency rising |
| 2026-03 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-08 [Citadel Credit Union to Host Three Homebuying Seminars Across Greater Philadelphia This Month - VISTA.Today](https://news.google.com/rss/articles/CBMif0FVX3lxTE95cEJXZlMtV1p6RkxmX2lyWnc1Rjlkc005R01sN3FMQXh4WVZBdWxCY2pobVItT19OMlZ4LTNibkdKRHIwSHBHS2dPRGVoX0d5Ym0zQUNMX3pLRHZSNWFzR0ZocE1IZWlyQWVhTVFDTVdabjRzZkxOWVpQVFBlN1k?oc=5) · VISTA.Today
- 2026-08-05 [UW Credit Union Partners with Fiserv to Accelerate Growth via DNA Core Platform - FF News](https://news.google.com/rss/articles/CBMipgFBVV95cUxPODFuUDg4ZEpGQnh6OXZkbWl0SmdaUWhHZUlWTGJidTk4Q2p6YzZGTURsMldwYmRLckdoeGtKbkxNNnEzckFramxKRWcwelRqbUtpZkRIT2x6V0VCMG55WEZHNDBPYjVLWHprT1pMUVYtT1h4Nll0QlZIRDQyN1NIY1V0SnNGNUVGSjdrSHB6dnV1emwtY0MzUGRhb2V3Mk9ob2xRWE5B?oc=5) · FF News
- 2026-06-03 [Acquisition expands Cardinal Credit Union to Cleveland - Crain's Cleveland](https://news.google.com/rss/articles/CBMipgFBVV95cUxQQ3ZCNmdlWDZqUkM5d2JiV3d6ZW5NT0NDWnR6UjY5OWJxQ09VRzZsQllUTXhzMXpKQWFNaTdjNmZRcGhmUS1wWGFEUzVUUmt0dWJoWTlvc251dHpnSmtZMDNraktYQ3pndy1RWUwtc0pLbF9HdE1fYklXTjY3bU1VVjE2bGRDTFBGQTd5RUNOdTV1YzFscVBzQzVudTNNY3J5QTlSdlN3?oc=5) · Crain's Cleveland
- 2026-06-23 [Valley Strong banks on another Forbes top ranking - The Sun-Gazette Newspaper](https://news.google.com/rss/articles/CBMiogFBVV95cUxNbVpQeWlSek5GZ0FEX1dlVUlwYWhRV1dFaTlydm5mNjNwa2cxc3ZSQW9zdUY5VENOQWgzLVVxUk83SVJISkJnYXB5NHZjcER6Nno2UWpHQlBJXzdnMWU5bUc5eTZfQ1NkanFaUmVHYVFVeXBhaVB4Vm9OcG9FRjZuVVp2TTloeGxZUnBBOEY0U3VsSmJEZ3VXbm1OMDRhVzVERnc?oc=5) · The Sun-Gazette Newspaper
- 2026-05-22 [Tucson Federal Credit Union adds investing via InvestiFi - FinTech Global](https://news.google.com/rss/articles/CBMilgFBVV95cUxQMVNwTXNMLTVnNkxHd1haX0tQZzdHcUwyV1d2SC1Rak5QR1BjbDZzSzNVMDdFY0ZOWUdSTzlYanpSR2xhMjBEWExIRURBbHhJMHlnZ0x5RmhGdjVyRU4zVkZoWExEeXB6XzVRTGRsLW9fNGpIMnUxRHFaTk5HSVNaNDlMS0t3WURZbGY5QnJsSWhNclNsT2c?oc=5) · FinTech Global
- 2026-06-10 [Groundbreaking held for credit union in Kettering - WHIO TV](https://news.google.com/rss/articles/CBMipAFBVV95cUxPcmhlUjlfeUFNWXdpZVdKNUtlNDJrUkp0SWdqS0MtUXZER3NEVW02aTBDY2hseDlROXAwaVYtZFdOSzdZOEE0MmZRajM0d2wzUVpjZjVPUUt6WURNRHJZU2x1NmhLS0prV2kyT2luN0VYMTVaY1dDZzhHZUswcDBZYUFZdDAxajloQjk4VHI1ZDhCT3U2cVRzdnRSOEdtNWhUamp1N9IBuAFBVV95cUxOS1YzX1hvYXJwekluNjRKVnJYdGszTXJMb1c3b3E2cHVBRTlGSlpLbXJFNWgzUmV4aFpJcmFNZEp6R3B2TjZPV1dwQmxmYlVwbUdfWnh6b3kxR013TTUzR0F3a1l2bTRicFpOUWRnZmdNcDBRNGJmTjN4UlpSTzEwWGFHeTZ1STl3aTRDSTNqb0g1X2hNSF9IbnpQNXRUbVp0RHBBVVE4LWN2MWtqVDRKM3Z3em5PQVJj?oc=5) · WHIO TV
- 2026-07-09 [How to Pay Your Student Loans via Credit Cards (Plus, a Warning) - The College Investor](https://news.google.com/rss/articles/CBMid0FVX3lxTE1JTURXcmVfVHFLRklxTXRHeGhmQ2VZeUpmSDJ6eU5ucFFsWGZkT3R5bHZHcm1KbEFrZzFwVGRRM21FbU1hUXdxQkFDUF82WlJuZTN3YkdSVzVVNjZlRXpOX25JdG5uSTNSOHNocERkV2VTTlE5U0NF?oc=5) · The College Investor
- 2025-02-25 [Via Credit Union Notifies Over 60k People of Recent Data Breach - jdsupra.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxOTTJ3MUVPdVFkTUtuZ3d2ZGUwMXhNRWdkZWt2ZDJ6TVpaNmdEdkQ0bzB6NHctUS00Tnc1SWNCVV9ZWHFIdXB6N0xBWkZ2TF92RDRvbGllMXd5TEk0UVo5SFBTeDFUR0thbHRsRTktTG0wd2R4QjF5Wm55OE8tcFBqUjFFNA?oc=5) · jdsupra.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68572 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/28.json (key "68572", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=68572
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide