VIA Credit Union (EIN 350884006) - Form 990 Financial Analysis & Trantor Score

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1936

Legal Domicile

Phone

7656746631

Tax Period

2023-01-01 to 2023-12-31

VIA Credit Union, founded in 1936, is a mid-sized nonprofit in the Public & Societal Benefit sector that reported $25.8M in total revenue in fiscal year 2023. Revenue surged 27% from the prior year, signaling strong growth momentum. The organization ran a surplus of $5.2M, a strong 20% operating margin.

Mission

PEOPLE HELPING PEOPLE ACHIEVE FINANCIAL SUCCESS.

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $23,640,454

Investment Income $2,209,147

Other Revenue $0

TOTAL REVENUE $25,849,601

Expense Breakdown

Grants Paid $25,250

Salaries & Benefits $7,700,429

Fundraising Expenses $0

Program Expenses $0

Other Expenses $12,892,538

TOTAL EXPENSES $20,618,217

Year-over-Year Comparison

	2023	2022	Change
Revenue	$25,849,601	$20,356,846	+0.3%
Expenses	$20,618,217	$16,010,185	+0.3%
Net Income	$5,231,384	$4,346,661	+0.2%

Key Indicators

✓ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✓ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

124

Volunteers

Governance Policies

✗ Conflict of Interest Policy

✗ Whistleblower Policy

✗ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

$1,014,800

Total Directors

$278,012

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
N/A	PRESIDENT/CEO/TREASURER OF THE BOARD	45.0	Officer Director	$236,193	$41,819	$278,012
N/A	BOARD PRESIDENT	1.0	Officer Director	$0	$0	$0
N/A	VICE CHAIRMAN	1.0	Officer Director	$0	$0	$0
N/A	SECRETARY	1.0	Officer Director	$0	$0	$0
N/A	SECRETARY (END 03/2023)	1.0	Officer Director	$0	$0	$0
N/A	BOARD MEMBER	1.0	Director	$0	$0	$0
N/A	BOARD MEMBER	1.0	Director	$0	$0	$0
N/A	Board Member (End 04/2023)	1.0	Director	$0	$0	$0
N/A	BOARD MEMBER (BEGIN 07/2023)	N/A	Director	$0	$0	$0
N/A	CHIEF OPERATIONS OFFICER	43.0	Officer	$125,142	$31,085	$156,227
N/A	CHIEF CONSUMER LOAN OFFICER	45.0	Officer	$113,832	$17,707	$131,539
N/A	CHIEF HUMAN RESOURCES OFFICER	42.0	Officer	$119,741	$12,234	$131,975
N/A	CHIEF FINANCIAL OFFICER	44.0	Officer	$151,640	$33,242	$184,882
N/A	CHIEF MARKETING OFFICER	42.0	Officer	$100,266	$31,899	$132,165
N/A	SVP of Business Lending	40.0	Highest	$100,085	$15,826	$115,911

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2024	No data	No data	No data	No data
2023	$25,849,601	$20,618,217	$547,170,835	$5,231,384
2022	$20,356,846	$16,010,185	$525,279,196	$4,346,661
2021	$18,473,040	$14,127,641	$517,398,165	$4,345,399
2020	$16,858,903	$15,417,664	$449,645,503	$1,441,239
2019	$16,839,844	$14,296,713	$395,968,027	$2,543,131
2018	$15,165,541	$12,674,106	$360,759,938	$2,491,435

VIA Credit Union