Credit Union Safety Analysis
Is Interra Credit Union Safe? Goshen, Indiana
Based on its Q2 2026 NCUA 5300 call report, Interra Credit Union has a net worth ratio of 9.13%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.16%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Interra Credit Union's net worth ratio is 9.13%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 9.13%
- Delinquency ratio (60+ days) (Q2 2026): 0.16%
- Return on assets (Q2 2026): 0.89%
- Loan-to-share ratio (Q2 2026): 105.16%
Interra Credit Union (NCUA charter 82794, established 1932) reported $2.07B in assets and 90,096 members for Q2 2026 from Goshen, Indiana. It ranks 10 of 118 credit unions in Indiana by total assets. Total assets grew 5.7% from $1.96B on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 9.28% for Q1 2026; 8.71% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 0.17% for Q1 2026; 0.22% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 0.75% for Q1 2026; 0.75% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 102.20% for Q1 2026; 100.87% for Q2 2025.
Loans by type, Q2 2026
- Commercial loans: $965.2M
- 1- to 4-family residential and other consumer real estate loans: $550.3M
- Used vehicle loans: $149.7M
- New vehicle loans: $32.4M
- Unsecured credit card loans: $26.7M
- Other secured non-real estate loans and lines of credit: $19.0M
- Other unsecured loans and lines of credit: $15.0M
- Non-federally guaranteed student loans: $9.2M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $2.07B | 9.13% | 0.16% | 0.89% | 105.16% |
| March 31, 2026 | $1.99B | 9.28% | 0.17% | 0.75% | 102.20% |
| December 31, 2025 | $1.95B | 9.26% | 0.21% | 1.08% | 99.86% |
| September 30, 2025 | $1.95B | 9.01% | 0.19% | 1.16% | 101.64% |
| June 30, 2025 | $1.96B | 8.71% | 0.22% | 0.75% | 100.87% |
| March 31, 2025 | $1.96B | 8.52% | 0.13% | 0.43% | 99.01% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Regulator records: NCUA credit union profile (charter 82794) · FFIEC NIC profile (RSSD 923190)
Frequently asked questions
Is Interra Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Interra Credit Union's net worth ratio is 9.13%, above the 7% NCUA threshold for well capitalized.
Is Interra Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Interra Credit Union is a federally insured credit union (NCUA charter 82794): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Interra Credit Union's key safety ratios?
For Q2 2026, Interra Credit Union reports net worth 9.13%, delinquency 0.16%, ROA 0.89%, loan-to-share 105.16%.
What happens to my money if Interra Credit Union fails?
For Q2 2026, Interra Credit Union held $1.68B in shares and deposits for 90,096 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.