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.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,860 of 4,374 health · 2025Q4INTERRA · health 86/100 · $1.95B · 2025Q4
- ROA 86/100
- ASSETS 9.3%
- MEM 0.21%
- RANK 0.22%
- PHOTO $1.95B
- BOOK 89,635
- CHARTER #1,860/4,374
- NCUSIF PHILADELPHIA
- CAMELS 82794
Call Report peers
INTERRA in the assets neighbourhood
INTERRA's $1.95B assets sit next to PHILADELPHIA ($1.95B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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
INTERRA - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #82794. See our deposit-insurance coverage note.
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%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for IN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How INTERRA's 5300 filing moved
INTERRA: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.8% from $1.95B (2025Q4) to $1.99B (2026Q1).
- Net-worth ratio shifted +0.02 pp (9.26% → 9.28%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 86.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
Two NCUA Call Report peer sets for INTERRA, both outside Indiana so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.95B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (86/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Indiana credit unions compare overall before assuming this one is typical. Indiana 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 INTERRA financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, INTERRA carries a financial health score of 86/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #1,860 of 4,374; by total assets it ranks #266 of 4,374 nationally (same basis as /rankings/largest); and #10 of 124 within Indiana. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 9.28% net worth ratio and a 0.21% delinquency rate.
How does INTERRA compare to other credit unions?
Five weighted metrics from NCUA filings produce INTERRA's 86/100 score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (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 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?
Federal credit unions like INTERRA 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. INTERRA's net worth ratio of 9.28% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does INTERRA offer compared to banks?
Credit unions like INTERRA 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 INTERRA 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.