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
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.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 59 |
| Q3 2024 | 59 |
| Q4 2024 | 58 |
| Q1 2025 | 61 |
| Q2 2025 | 62 |
| Q3 2025 | 64 |
| Q4 2025 | 66 |
| Q1 2026 | 65 |
| Q2 2026 | 64 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 8.65% |
| Q3 2024 | 8.80% |
| Q4 2024 | 8.72% |
| Q1 2025 | 8.52% |
| Q2 2025 | 8.71% |
| Q3 2025 | 9.01% |
| Q4 2025 | 9.26% |
| Q1 2026 | 9.28% |
| Q2 2026 | 9.13% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.20% |
| Q3 2024 | 0.21% |
| Q4 2024 | 0.29% |
| Q1 2025 | 0.13% |
| Q2 2025 | 0.22% |
| Q3 2025 | 0.19% |
| Q4 2025 | 0.21% |
| Q1 2026 | 0.17% |
| Q2 2026 | 0.16% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.11% |
| Q3 2024 | 0.19% |
| Q4 2024 | 0.23% |
| Q1 2025 | 0.43% |
| Q2 2025 | 0.59% |
| Q3 2025 | 0.78% |
| Q4 2025 | 0.86% |
| Q1 2026 | 0.75% |
| Q2 2026 | 0.80% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 64 | $2.1B | 9.13% | 0.16% | 0.80% | 105.2% |
| Q1 2026 | 65 | $2.0B | 9.28% | 0.17% | 0.75% | 102.2% |
| Q4 2025 | 66 | $2.0B | 9.26% | 0.21% | 0.86% | 99.9% |
| Q3 2025 | 64 | $2.0B | 9.01% | 0.19% | 0.78% | 101.6% |
| Q2 2025 | 62 | $2.0B | 8.71% | 0.22% | 0.59% | 100.9% |
| Q1 2025 | 61 | $2.0B | 8.52% | 0.13% | 0.43% | 99.0% |
| Q4 2024 | 58 | $1.9B | 8.72% | 0.29% | 0.23% | 99.9% |
| Q3 2024 | 59 | $1.9B | 8.80% | 0.21% | 0.19% | 99.8% |
| Q2 2024 | 59 | $1.9B | 8.65% | 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).
Similar-size credit unions in Indiana
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Indiana University Credit UnionCredit union Bloomington, IN | 72 out of 100, Strong | $2.1B | 11.8% | 0.67% | vs |
| Purdue Federal Credit UnionCredit union West Lafayette, IN | 75 out of 100, Strong | $2.1B | 11.2% | 0.17% | vs |
| Forum Credit UnionCredit union Indianapolis, IN | 80 out of 100, Strong | $2.3B | 13.3% | 0.31% | vs |
| Beacon Credit UnionCredit union Wabash, IN | 76 out of 100, Strong | $1.8B | 13.5% | 0.47% | vs |
| Centra Credit UnionCredit union Columbus, IN | 73 out of 100, Strong | $2.4B | 12.3% | 0.96% | vs |
| Elements Financial Federal Credit UnionCredit union Indianapolis, IN | 77 out of 100, Strong | $2.5B | 11.9% | 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.
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)
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
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Everence Trust CompanyBank Goshen, IN | 94 out of 100, Very strong | $16.2M | 96.8% | 0.00% | vs |
| Policemen'S Federal Credit UnionCredit union South Bend, IN | 92 out of 100, Very strong | $95.5M | 16.4% | 0.29% | vs |
| Tlcu Financial Credit UnionCredit union Mishawaka, IN | 89 out of 100, Very strong | $59.4M | 16.0% | 0.45% | vs |
| Chiphone Federal Credit UnionCredit union Elkhart, IN | 87 out of 100, Very strong | $111.8M | 16.4% | 0.38% | vs |
| South Bend Firefighters Federal Credit UnionCredit union South Bend, IN | 82 out of 100, Strong | $64.3M | 23.6% | 1.07% | vs |
| Farmers State BankBank Lagrange, IN | 78 out of 100, Strong | $1.3B | 10.8% | 0.02% | vs |