State credit union · AMARILLO, Texas · NCUA charter #67651
INTERCORP
Health score 63/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 63
- Health / 100
- $4.2M
- Total assets
- 621
- Members
- 18.4%
- Net-worth ratio
INTERCORP scores 63/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $4.2M; members 621; net-worth ratio 18.41%; health rank #3,940 of 4,374; healthier than 9th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,940 of 4,374 health · 2025Q4INTERCORP · health 63/100 · $4.2M · 2025Q4
- ROA 63/100
- ASSETS 18.4%
- MEM 4.81%
- RANK 0.13%
- PHOTO $4.2M
- BOOK 621
- CHARTER #3,940/4,374
- NCUSIF n/a
- CAMELS 67651
Call Report peers
INTERCORP carries $4.2M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
INTERCORP vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
63 9th percentile higher than 9% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
INTERCORP - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #67651 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Peer-gap read for INTERCORP
- Largest favorable gap: Loan-to-Share Ratio at 69.76% vs peer 63.60% (+6.16 pp).
- Largest lag: Delinquency Rate at 4.81% vs peer 1.81% (+3.00 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
INTERCORP in Texas
- In Texas, health place is #347 of 386 on the same NCUA-ratio sort used nationally.
- By total assets, INTERCORP is #348 of 386 in Texas.
- Texas membership ordinal: #354 of 386.
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
INTERCORP Call Report trajectory
INTERCORP: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.4% from $4.2M (2025Q4) to $4.2M (2026Q1).
- Net-worth ratio shifted +0.21 pp (18.20% → 18.41%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
18.41% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 63/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 63.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 9.4 pts
- Member Growth 8.1 pts
- Loan-to-Share Ratio 15.5 pts
INTERCORP health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 18.41% | -0.65 pp |
| Delinquency Rate | 4.81% | +3.00 pp |
| Return on Assets | 0.13% | -0.32 pp |
| Member Growth | -0.48% | - |
| Loan-to-Share Ratio | 69.76% | +6.16 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $4.2M | - |
| 2025Q4 | $4.2M | 621 |
| 2024Q4 | $4.3M | 624 |
| 2023Q4 | $4.3M | 599 |
Credit Union Details
- Charter Number
- 67651
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Texas
- City
- AMARILLO
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for INTERCORP.
| Office | City |
|---|---|
| Intercorp Credit Union (Main Office) | Amarillo, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
Other federally-insured credit unions in Texas, closest first by peer group and asset size.
INTERCORP nationwide neighbourhoods
Two NCUA Call Report peer sets for INTERCORP, both outside Texas so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (63/100 here).
Using this data
- INTERCORP ranks #3,940 of 4,374 nationally on financial health and #347 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Thd District 17 is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Thd District 17
- Rates and health both vary by institution, not just by state -- see how Texas credit unions compare overall before assuming this one is typical. Texas state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is INTERCORP financially healthy?
A 18.41% net worth ratio and a 4.81% delinquency rate feed into INTERCORP's financial health score of 63/100 (Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,940 of 4,374; by total assets it ranks #3,949 of 4,374 nationally (same basis as /rankings/largest); and #348 of 386 within Texas. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does INTERCORP compare to other credit unions?
63/100 is INTERCORP's score on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join INTERCORP?
Membership eligibility for INTERCORP depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact INTERCORP directly for current membership requirements and application steps.
Is my money safe at INTERCORP?
Federal credit unions like INTERCORP are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. INTERCORP's net worth ratio of 18.41% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does INTERCORP offer compared to banks?
Credit unions like INTERCORP are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact INTERCORP directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.