TellerScore

Interra Credit Union (NCUA charter #82794) is based in Goshen, Indiana. Its Q2 2026 call report shows $2.1B in total assets and $1.7B in member shares and deposits and 16 offices.

Based on its Q2 2026 filing, Interra Credit Union scores 64/100, which we describe as moderate. That is higher than only 36% of 454 credit unions with $1 billion – $10 billion. Among 121 credit unions headquartered in Indiana, it ranks 89th. Its strongest component is problem-loan coverage (97/100; 1.5%), and its lowest is capital cushion (41/100; 9.13%).

TellerScore · Q2 2026

Scorecard

Capital cushion41/100
Net worth ratio: 9.13%
Loan quality95/100
Loans 60+ days delinquent ÷ total loans: 0.16%
Earnings52/100
Return on assets (annualized): 0.80%
Funding & liquidity55/100
Loans ÷ shares: 105.2% · 0.0% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.52%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 2 points (62 → 64), mostly because the earnings component improved by 8 points.

TellerScore
586266Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202459
Q3 202459
Q4 202458
Q1 202561
Q2 202562
Q3 202564
Q4 202566
Q1 202665
Q2 202664
Net worth ratio
7.00%8.14%9.28%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.65%
Q3 20248.80%
Q4 20248.72%
Q1 20258.52%
Q2 20258.71%
Q3 20259.01%
Q4 20259.26%
Q1 20269.28%
Q2 20269.13%
Delinquent loans (60+ days)
0.13%0.21%0.29%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.20%
Q3 20240.21%
Q4 20240.29%
Q1 20250.13%
Q2 20250.22%
Q3 20250.19%
Q4 20250.21%
Q1 20260.17%
Q2 20260.16%
Return on assets
0.11%0.49%0.86%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.11%
Q3 20240.19%
Q4 20240.23%
Q1 20250.43%
Q2 20250.59%
Q3 20250.78%
Q4 20250.86%
Q1 20260.75%
Q2 20260.80%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202664$2.1B9.13%0.16%0.80%105.2%
Q1 202665$2.0B9.28%0.17%0.75%102.2%
Q4 202566$2.0B9.26%0.21%0.86%99.9%
Q3 202564$2.0B9.01%0.19%0.78%101.6%
Q2 202562$2.0B8.71%0.22%0.59%100.9%
Q1 202561$2.0B8.52%0.13%0.43%99.0%
Q4 202458$1.9B8.72%0.29%0.23%99.9%
Q3 202459$1.9B8.80%0.21%0.19%99.8%
Q2 202459$1.9B8.65%0.20%0.11%94.3%

454 peers · $1 billion – $10 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.13%
13th
Problem loans0.16%
97th
Net charge-offs0.09%
94th
Return on assets0.80%
50th
Loans to deposits105.2%
5th
Uninsured deposits0.0%
99th
Loan-loss reserves0.00%
50th
Texas ratio1.5%
92nd

Similar-size credit unions in Indiana

InstitutionScoreAssetsCapitalProblem loansCompare
Indiana University Credit UnionCredit union Bloomington, IN72 out of 100, Strong$2.1B11.8%0.67%vs
Purdue Federal Credit UnionCredit union West Lafayette, IN75 out of 100, Strong$2.1B11.2%0.17%vs
Forum Credit UnionCredit union Indianapolis, IN80 out of 100, Strong$2.3B13.3%0.31%vs
Beacon Credit UnionCredit union Wabash, IN76 out of 100, Strong$1.8B13.5%0.47%vs
Centra Credit UnionCredit union Columbus, IN73 out of 100, Strong$2.4B12.3%0.96%vs
Elements Financial Federal Credit UnionCredit union Indianapolis, IN77 out of 100, Strong$2.5B11.9%0.46%vs

Deposit insurance

Is my money safe at Interra Credit Union?

Interra Credit Union files NCUA call reports but its charter type is recorded as not federally insured. Ask the credit union how deposits are insured.

An estimated 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, below the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 9.13%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

16 locations

Branches

Interra Credit Union lists 16 offices in 14 cities. Most locations:

  • Goshen, IN (3)
  • Bremen, IN (1)
  • Elkhart, IN (1)
  • LaGrange, IN (1)
  • Ligonier, IN (1)
  • Middlebury, IN (1)
  • Millersburg, IN (1)
  • Nappanee, IN (1)
  • New Paris, IN (1)
  • Plymouth, IN (1)
  • Shipshewana, IN (1)
  • Syracuse, IN (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Interra Credit Union reported 1,525 home-loan applications under HMDA (LEI 5493004HIVU0YCM5QS92): 993 originated ($167,815,000 total), 306 denied, and 205 withdrawn or closed by the applicant. Its denial rate on decided applications was 23.2%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Interra Credit Union
Type
Non-federally insured state credit union
NCUA charter #
82794
RSSD ID
923190
Primary regulator
State + NCUA
Established
1932
Headquarters
PO Box 727, Goshen, IN 46527
Employees
348

Quick answers

Interra Credit Union: common questions

Is Interra Credit Union NCUA insured?

Interra Credit Union files NCUA call reports but its charter type is recorded as not federally insured. Ask the credit union how deposits are insured.

What is Interra Credit Union's TellerScore?

64 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Interra Credit Union have?

16 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Goshen

InstitutionScoreAssetsCapitalProblem loansCompare
Everence Trust CompanyBank Goshen, IN94 out of 100, Very strong$16.2M96.8%0.00%vs
Policemen'S Federal Credit UnionCredit union South Bend, IN92 out of 100, Very strong$95.5M16.4%0.29%vs
Tlcu Financial Credit UnionCredit union Mishawaka, IN89 out of 100, Very strong$59.4M16.0%0.45%vs
Chiphone Federal Credit UnionCredit union Elkhart, IN87 out of 100, Very strong$111.8M16.4%0.38%vs
South Bend Firefighters Federal Credit UnionCredit union South Bend, IN82 out of 100, Strong$64.3M23.6%1.07%vs
Farmers State BankBank Lagrange, IN78 out of 100, Strong$1.3B10.8%0.02%vs