Interra Credit Union Goshen, Indiana
Interra Credit Union is a state-chartered credit union headquartered in Goshen, IN, established in 1932 (NCUA charter 82794), and it is regulated and insured by the NCUA. At Q2 2026 it reported 90,096 members and total assets of $2.07B (up 5.7% from Q2 2025), the 10th largest of 118 credit unions headquartered in Indiana. Its net worth ratio was 9.13% at Q2 2026, in the well capitalized band.
Also written as Interra CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 82794
- Headquarters
- Goshen, IN
- Established
- 1932
- Total assets, Q2 2026
- $2.07B
- Assets vs Q2 2025
- +5.7%
- Members, Q2 2026
- 90,096
- Net worth ratio, Q2 2026
- 9.13%
- Latest call report
- Q2 2026, NCUA 5300 · Interra Credit Union call report
- Asset rank in state
- 10th of 118 in Indiana
- Routing number
- 271291017
- Branches
- 16
It has 853 more members than on June 30, 2025 (+1.0%). Its net worth ratio was up 0.42 percentage points from 8.71% on June 30, 2025. Commercial loans are its largest loan category, $965.2M of $1.77B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.16% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 9.13% net worth ratio is below that band's 10.89% median.
Frequently asked about Interra Credit Union
How big is Interra Credit Union?
At Q2 2026 it reported total assets of $2.07B and 90,096 members.
Where is Interra Credit Union headquartered?
It is headquartered in Goshen, IN, United States.
When was Interra Credit Union founded?
It was established in 1932, per NCUA records.
Is Interra Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 82794): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Interra Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Interra Credit Union well capitalized?
Its net worth ratio was 9.13% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Interra Credit Union's delinquency ratio?
Its delinquency ratio was 0.16% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Interra Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 105.16% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Goshen, IN 46526
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1932
- NCUA Charter #
- 82794
- RSSD ID
- 923190
- Members
- 90,096
- Potential members
- 1,513,700
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 1 of 7 ranked measures and in the bottom quartile on 2.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 9.13% | 10.89% | 13th bottom |
| Return on assets Middle half of peers: 0.59% to 1.25% | 0.89% | 0.89% | 50th below |
| Return on equity Middle half of peers: 5.37% to 10.92% | 9.69% | 8.07% | 64th above |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 3.41% | 3.45% | 48th below |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 77.63% | 70.59% | 24th bottom |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 1.90% | 1.68% | 33rd below |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.16% | 0.68% | over 90th top |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 5.30% | 5.12% | 64th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 105.16% | 88.03% | over 90th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$2.07B total assets against $1.96B; $1.68B total shares and deposits against $1.63B; $1.77B total loans against $1.64B.
$189.0M net worth against $170.6M.
9.13% net worth ratio against 8.71%.
105.16% loan-to-share ratio against 100.87%.
0.16% delinquency ratio against 0.22%.
0.89% return on assets against 0.75%; 9.69% return on equity against 8.63%.
3.41% net interest margin against 3.12%.
90,096 members against 89,243.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 9.13% | 0.89% | 0.16% | 105.16% |
| March 31, 2026 | 9.28% | 0.75% | 0.17% | 102.20% |
| December 31, 2025 | 9.26% | 1.08% | 0.21% | 99.86% |
| September 30, 2025 | 9.01% | 1.16% | 0.19% | 101.64% |
| June 30, 2025 | 8.71% | 0.75% | 0.22% | 100.87% |
| March 31, 2025 | 8.52% | 0.43% | 0.13% | 99.01% |
Scroll sideways to see every column.
Watch flags
Loans outstanding exceed total member shares (deposits). The credit union is funding the gap with borrowings or non-member sources that are more rate-sensitive and less stable than core member deposits. Industry heuristic, not a supervisory threshold.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.