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
Call Report peers
INTERSTATE in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); INTERSTATE sits in 95-99 with 391 others.
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
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%).
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.
- One place up in Georgia, Lge Community (#5) scores 97/100, 1 point higher; one place down, Go Energy Financial (#7) ties at 96/100.
INTERSTATE: 2025Q4 → 2026Q1
INTERSTATE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.8% from $401.1M (2025Q4) to $408.1M (2026Q1).
- Net-worth ratio shifted +0.22 pp (14.81% → 15.03%).
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
INTERSTATE gives up 4 points in total. Loan-to-Share Ratio costs the most, 3 of its 15; Net Worth Ratio and Return on Assets score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is INTERSTATE financially healthy?
On its 2025Q4 NCUA 5300 filing, INTERSTATE scores 96/100 (Excellent), with a 15.03% net worth ratio and 0.53% of loans delinquent. It ranks #229 of 4,374 nationally on health and #6 of 74 in Georgia.
How does INTERSTATE compare to other credit unions?
INTERSTATE scores 96/100, higher than 93% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (96.62% vs 72.20%).
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?
INTERSTATE is a state-chartered 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. INTERSTATE's net worth ratio of 15.03% 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.