Federal credit union · Goshen, Indiana · NCUA charter #82794
INTERRA
Health score 86/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $1.95B
- Total assets
- 89,635
- Members
- 9.3%
- Net-worth ratio
INTERRA scores 86/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.95B; members 89,635; net-worth ratio 9.28%; health rank #1,860 of 4,374; healthier than 57th of scored peers.
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NCUA 5300 Call Report Masthead
#1,860 of 4,374 health · 2025Q4INTERRA · health 86/100 · $1.95B · 2025Q4
Call Report peers
INTERRA in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
INTERRA vs every NCUA-scored credit union
INTERRA sits in the busiest band, 85-89, alongside 857 other credit unions.
86 Top 43% higher than 57% 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
Peer-gap read for INTERRA
- Loan-to-Share Ratio leads the peer set - 99.86% here, 83.90% peer average (+15.96 pp).
- Widest shortfall vs peers is Net Worth Ratio: -1.90 pp (9.28% vs 11.18%).
Where INTERRA sits in Indiana
- Health composite ranks #54 of 124 among scored Indiana credit unions.
- Assets rank #10 of 124 inside Indiana ($1.95B reported).
- Membership ranks #9 of 124 among Indiana CUs with a reported count (89,635 members).
- One place up in Indiana, Solidarity Community (#53) ties at 86/100; one place down, Advantageplus of Indiana (#55) scores 85/100, 1 point lower.
How INTERRA's 5300 filing moved
INTERRA: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.8% from $1.95B (2025Q4) to $1.99B (2026Q1).
- Net-worth ratio shifted +0.02 pp (9.26% → 9.28%).
This credit union's 9.28% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 86/100 score is built
INTERRA gives up 14 points in total. Loan-to-Share Ratio costs the most, 4.4 of its 15; Delinquency Rate scores full marks.
- Net Worth Ratio 28.2 pts
- Delinquency Rate 25.0 pts
- Return on Assets 10.8 pts
- Member Growth 11.0 pts
- Loan-to-Share Ratio 11.0 pts
INTERRA vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.28% | -1.90 pp |
| Delinquency Rate | 0.21% | -0.67 pp |
| Return on Assets | 0.22% | -0.29 pp |
| Member Growth | 1.69% | - |
| Loan-to-Share Ratio | 99.86% | +15.96 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
INTERRA quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.99B | - |
| 2025Q4 | $1.95B | 89,635 |
| 2024Q4 | $1.89B | 88,149 |
| 2023Q4 | $1.79B | 90,157 |
Credit Union Details
- Charter Number
- 82794
- Type
- Federal
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Indiana
- City
- Goshen
- Data Quarter
- 2025Q4
Branch Locations (16)
Per its most recent NCUA branch filing, INTERRA runs 16 offices in 14 different cities.
| Office | City |
|---|---|
| Interra Main Office (Main Office) | Goshen, IN |
| Bremen Branch | Bremen, IN |
| Elkhart Branch | Elkhart, IN |
| College Green Branch | Goshen, IN |
| Dunlap Office | Goshen, IN |
| LaGrange Office | LaGrange, IN |
| Ligonier Branch | Ligonier, IN |
| Middlebury Branch | Middlebury, IN |
| Millersburg Branch | Millersburg, IN |
| Nappanee Branch | Nappanee, IN |
| New Paris Branch | New Paris, IN |
| Plymouth Branch | Plymouth, IN |
| Shipshewana Branch | Shipshewana, IN |
| Syracuse Branch | Syracuse, IN |
| Topeka Branch | Topeka, IN |
| Wakarusa Branch | Wakarusa, IN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Indiana
A look at other Indiana credit unions, ranked by how closely their peer group and asset size match this one.
INTERRA nationwide neighbourhoods
Using this data
- INTERRA ranks #1,860 of 4,374 nationally on financial health and #54 of 124 in IN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Indiana University is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Indiana University
Frequently Asked Questions
Is INTERRA financially healthy?
On its 2025Q4 NCUA 5300 filing, INTERRA scores 86/100 (Excellent), with a 9.28% net worth ratio and 0.21% of loans delinquent. It ranks #1,860 of 4,374 nationally on health and #54 of 124 in Indiana.
How does INTERRA compare to other credit unions?
INTERRA scores 86/100, higher than 57% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (99.86% vs 83.90%). Its widest shortfall is net worth ratio (9.28% vs 11.18%).
How can I join INTERRA?
Membership eligibility for INTERRA depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact INTERRA directly for current membership requirements and application steps.
Is my money safe at INTERRA?
INTERRA is a federal credit union; its shares are federally 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. INTERRA's net worth ratio of 9.28% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.