PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Via Credit Union

Marion, IN · Charter 68572

NCUA · 6 branches

Q2 2026

$604.4MAssets
$452.4MLoans
$517.8MShares
$79.7MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.87%, down 23 bps year over year; NIM at 3.43%.
  • Asset quality: problem loans at 0.62% of loans (+7 bps YoY).
  • Capital: net worth / assets of 13.18%, up 50 bps from a year ago.
  • Funding: loans stand at 87.37% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.87%-23 bps YoY

Net Interest Margin (YTD, annualized)

3.43%+22 bps YoY

Efficiency Ratio (YTD, annualized)

60.15%-249 bps YoY

Net Worth / Assets

13.18%+50 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.09%1.18%1.22%0.33%0.87%-23 bps
Return on Equity8.62%9.04%9.20%2.55%6.59%-204 bps
Net Interest Margin3.21%3.27%3.29%3.32%3.43%+22 bps
Efficiency Ratio62.65%61.64%60.57%61.77%60.15%-249 bps
Growth
Asset Growth (YoY)1.19%0.93%0.87%3.05%4.50%+331 bps
Loan Growth (YoY)-1.67%-1.68%-0.01%2.16%3.63%+530 bps
Share Growth (YoY)0.19%-0.29%-0.45%2.04%3.14%+296 bps
Asset Quality
Delinquent Loans / Loans0.55%0.65%0.62%0.57%0.62%+7 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.68%13.06%13.23%12.79%13.18%+50 bps
Net Worth / Assets12.68%13.06%13.23%12.79%13.18%+50 bps
Liquidity & Funding
Loans / Shares86.96%87.83%86.88%84.86%87.37%+41 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps