| Metric | Via Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.5% | +4.7% | -0.2 pts |
| Share growth (YoY) | +3.1% | +4.2% | -1.1 pts |
| Loan growth (YoY) | +3.6% | +4.3% | -0.7 pts |
| ROA | 0.87% | 0.75% | +0.1 pts |
| ROE | 6.6% | 6.9% | -0.3 pts |
ROA ranks in the 59th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $604.4M | $517.8M | $452.4M | $79.7M | $2.6M | 0.87% | 3.42% | 0.62% | 37,548 |
| Q1 2026 | $606.3M | $523.4M | $444.2M | $77.5M | $494K | 0.33% | 3.32% | 0.57% | 37,510 |
| Q4 2025 | $582.3M | $501.8M | $436.0M | $77.1M | $7.1M | 1.22% | 3.29% | 0.62% | 37,318 |
| Q3 2025 | $576.3M | $497.4M | $436.8M | $75.3M | $5.1M | 1.18% | 3.27% | 0.65% | 37,491 |
| Q2 2025 | $578.4M | $502.0M | $436.6M | $73.3M | $3.2M | 1.09% | 3.21% | 0.56% | 37,506 |
| Q1 2025 | $588.4M | $513.0M | $434.8M | $71.8M | $1.6M | 1.07% | 3.08% | 0.56% | 37,420 |
| Q4 2024 | $577.3M | $504.0M | $436.0M | $70.2M | $5.9M | 1.02% | 2.92% | 0.45% | 37,398 |
| Q3 2024 | $571.0M | $498.8M | $444.3M | $68.8M | $4.3M | 1.00% | 2.90% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Via Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.87% | 0.75% | 59th | |
Return on equity Annualized net income ÷ equity or net worth | 6.6% | 6.9% | 48th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.42% | 3.54% |
Peer lists, growth filters, CSV export, CRM push.
| 0.33% |
| 37,662 |
| Q2 2024 | $571.6M | $501.1M | $444.0M | $67.3M | $2.8M | 0.98% | 2.84% | 0.39% | 37,685 |
Loan mix (Q2 2026): real estate $124.0M · commercial $14.6M · consumer $293.4M · securities $114.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.1% | 77.1% | 9th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Via Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Via Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Via Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Via Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Via Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
6 branches in 3 counties across 1 state (+0 vs 2025). Biggest market: Grant, IN, ranked 1st with 20.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Grant, IN | 4 | $345.2M* | 20.16% | 1st |
| Kosciusko, IN | 1 | $86.3M* | 3.08% | 7th |
| Blackford, IN | 1 | $86.3M* | 27.92% | 3rd |
Indiana: 71st with 0.20% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 6 · 2023 6 · 2024 6 · 2025 6 · 2026 6