State credit union · Jesup, Georgia · NCUA charter #68717
INTERSTATE
Health score 96/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 96
- Health / 100
- $401.1M
- Total assets
- 35,654
- Members
- 15.0%
- Net-worth ratio
INTERSTATE scores 96/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $401.1M; members 35,654; net-worth ratio 15.03%; health rank #229 of 4,374; healthier than 93rd of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#229 of 4,374 health · 2025Q4INTERSTATE · health 96/100 · $401.1M · 2025Q4
- PHOTO 96/100
- BOOK 15.0%
- CHARTER 0.53%
- NCUSIF 1.23%
- CAMELS $401.1M
- HEALTH 35,654
- NW #229/4,374
- DELQ WYHY
- ROA 68717
Call Report peers
INTERSTATE in the assets neighbourhood
INTERSTATE's $401.1M assets sit next to WYHY ($402.0M) 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.
INTERSTATE 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
96 Top 7% higher than 93% 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
INTERSTATE - Share Insurance Coverage
Charter #68717's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Peer-gap read for INTERSTATE
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +24.42 pp (96.62% vs 72.20%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
INTERSTATE in Georgia
- Health composite ranks #6 of 74 among scored Georgia credit unions.
- Assets rank #17 of 74 inside Georgia ($401.1M reported).
- Georgia membership ordinal: #13 of 74.
In-state ordinals use the live credit_unions table for GA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
INTERSTATE: 2025Q4 → 2026Q1
INTERSTATE: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.8% from $401.1M (2025Q4) to $408.1M (2026Q1).
- Net-worth ratio shifted +0.22 pp (14.81% → 15.03%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 15.03% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 96/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 96.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.7 pts
- Return on Assets 15.0 pts
- Member Growth 14.7 pts
- Loan-to-Share Ratio 11.6 pts
INTERSTATE vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.03% | +2.92 pp |
| Delinquency Rate | 0.53% | -0.36 pp |
| Return on Assets | 1.23% | +0.61 pp |
| Member Growth | 4.75% | - |
| Loan-to-Share Ratio | 96.62% | +24.42 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Call Report history - INTERSTATE
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $408.1M | - |
| 2025Q4 | $401.1M | 35,654 |
| 2024Q4 | $374.5M | 34,037 |
| 2023Q4 | $337.8M | 31,523 |
Credit Union Details
- Charter Number
- 68717
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Georgia
- City
- Jesup
- Data Quarter
- 2025Q4
Branch Locations (8)
The NCUA branch filing lists 8 physical offices for INTERSTATE, spread across 6 cities.
| Office | City |
|---|---|
| Administrative Building (Main Office) | Jesup, GA |
| Baxley Branch | Baxley, GA |
| Brunswick Branch | Brunswick, GA |
| Douglas Branch | Douglas, GA |
| Hazlehurst Branch | Hazlehurst, GA |
| Jesup | Jesup, GA |
| Vital Records | Jesup, GA |
| Midway | Midway, GA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Georgia
A look at other Georgia credit unions, ranked by how closely their peer group and asset size match this one.
INTERSTATE nationwide neighbourhoods
Two NCUA Call Report peer sets for INTERSTATE, both outside Georgia 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 ($401.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (96/100 here).
Using this data
- INTERSTATE ranks #229 of 4,374 nationally on financial health and #6 of 74 in GA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- MEMBERSFIRST is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with MEMBERSFIRST
- Rates and health both vary by institution, not just by state -- see how Georgia credit unions compare overall before assuming this one is typical. Georgia 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 INTERSTATE financially healthy?
A 15.03% net worth ratio and a 0.53% delinquency rate feed into INTERSTATE's financial health score of 96/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #229 of 4,374; by total assets it ranks #866 of 4,374 nationally (same basis as /rankings/largest); and #17 of 74 within Georgia. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does INTERSTATE compare to other credit unions?
PlainCU's health composite puts INTERSTATE at 96/100, compared to a peer group average for $100M–$500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 INTERSTATE?
Membership eligibility for INTERSTATE depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact INTERSTATE directly for current membership requirements and application steps.
Is my money safe at INTERSTATE?
Federal credit unions like INTERSTATE 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. INTERSTATE's net worth ratio of 15.03% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does INTERSTATE offer compared to banks?
Credit unions like INTERSTATE 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 INTERSTATE 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.