VIA CREDIT UNION
Charter #68572 · Marion, IN · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 12.79% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 0.33% sits at the 13th percentile of structural peers — worth a closer look.
- Net interest margin of 3.39% sits at the 21st percentile of structural peers — worth a closer look.
- Efficiency ratio of 61.77% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 27th percentile but its structural peers at the 49th — a 23-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | VIA CREDIT UNION | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $606.33M | 27th pct | 49th pct |
| Members | 37,510 | 39th pct | 38th pct |
| Net worth ratio | 12.79% | 80th pct | 79th pct |
| Return on average assets | 0.33% | 23th pct | 13th pct |
| Net interest margin | 3.39% | 42th pct | 21th pct |
| Cost of funds | 1.76% | 71th pct | 64th pct |
| Loan-to-share | 84.86% | 61th pct | 59th pct |
| Delinquency 60+ days | 0.57% | 49th pct | 51th pct |
| Net charge-off ratio | 0.50% | 58th pct | 51th pct |
| Loan growth YoY | 1.68% | 57th pct | 39th pct |
| Share growth YoY | 5.24% | 73th pct | 59th pct |
| Efficiency ratio | 61.77% | 10th pct | 7th pct |
structural peer set hash: d365525db8c9ab5d9726ca420526cd62… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.