# INTERRA
Goshen, IN · NCUA charter 82794 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/interra-82794

Who the members are: state charter, organized 1932. 89,669 members of 1,513,700 potential (5.9% of the field); checking penetration 62% (share draft accounts per 100 members); loans per 100 members 49.

**Verdict on the desk:** this could be *liquidity-tight*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $1.99B |
| Members | 89,669 (1.2% YoY) |
| Full-time staff | 322 |
| Net worth | $184.4M |
| Net worth ratio | 9.3% (p18 of band) |
| ROA (annualized) | 0.75% (p55 of band) |
| Total delinquency | 0.17% (p6 of band) |
| Net charge-offs (annualized) | 0.11% (p7 of band) |
| Loans / shares | 102% (p93 of band) |
| Cash / assets | 2.9% |
| Borrowings / assets | 5.94% |
| Net interest margin | 3.37% (p54 of band) |
| Operating expense / assets | 3.57% (p68 of band) |
| Vehicles % of loans | 10% (p12 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 80% |
| Third-party paper % of net worth | 81% (p34 of band) |
| Vehicle delinquency | 0.73% (p62 of band) |
| Vehicle NCO | 1.83% (p81 of band) |
| Repossessed % of vehicle book | 0.06% (p46 of band) |
| Real estate % of loans | 32% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 494% |
| Core shares % of member funds | 54% |
| Certificates % of member funds | 12% |
| Average share balance | $8,375 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 49% |
| Loans granted per 100 members, annualized | 36% |
| Average loan balance | $38,772 |
| Loans granted, annualized | $800.6M |

## Flags firing in the latest filing

- **loans>95% of shares** (`str_ltos`)
- **leaning on borrowings** (`str_borrowings`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | 3rd-party paper>100% NW |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | net worth falling |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 1 |  | net worth falling |
| 2017-09 | 3 | loans>95% of shares, leaning on borrowings |  |
| 2017-12 | 4 | net worth falling |  |
| 2018-03 | 4 |  |  |
| 2018-06 | 4 |  |  |
| 2018-09 | 4 |  |  |
| 2018-12 | 3 |  | net worth falling |
| 2019-03 | 3 |  |  |
| 2019-06 | 3 |  |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 2 |  | leaning on borrowings |
| 2020-03 | 2 |  |  |
| 2020-06 | 1 |  | loans>95% of shares |
| 2020-09 | 2 | delinquency rising |  |
| 2020-12 | 3 | delinquency 2x band |  |
| 2021-03 | 3 | net worth falling, margin squeeze | delinquency rising, delinquency 2x band |
| 2021-06 | 3 |  |  |
| 2021-09 | 2 |  | net worth falling |
| 2021-12 | 2 | thin capital | margin squeeze |
| 2022-03 | 2 | delinquency rising | thin capital |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 4 | loans>95% of shares, leaning on borrowings |  |
| 2023-03 | 4 |  |  |
| 2023-06 | 4 |  |  |
| 2023-09 | 3 |  | delinquency rising |
| 2023-12 | 3 |  |  |
| 2024-03 | 4 | thin capital, net worth falling | loans>95% of shares |
| 2024-06 | 5 | members leaving |  |
| 2024-09 | 5 | loans>95% of shares | net worth falling |
| 2024-12 | 4 |  | members leaving |
| 2025-03 | 5 | net worth falling |  |
| 2025-06 | 4 |  | net worth falling |
| 2025-09 | 2 |  | 3rd-party paper>100% NW, thin capital |
| 2025-12 | 1 |  | leaning on borrowings |
| 2026-03 | 2 | leaning on borrowings |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-04-30 [Indiana credit union to buy Ohio bank - Banking Dive](https://news.google.com/rss/articles/CBMikAFBVV95cUxQdENva0ZZYkFiN3BPWmVvS3lrVmd0R0RtQUszamd5U3E0VGFKcTNwbjllTXBDQzcxcldGUGNrYUVtM0s5bUpHTkxYc3dYZDl6OWxGbmNhUkc2Sm5DcGh1NC1BZzZQWm4tYWhxWXZTRHppd2x5TWhOUWx1Q1JfSHN6SFBOVnhTbzA2SmJzdG5uMjA?oc=5) · Banking Dive
- 2026-05-27 [A credit union’s offer to buy an Ohio bank is causing major controversy - Crain's Cleveland](https://news.google.com/rss/articles/CBMilwFBVV95cUxQdDRiMTZ6cmxvR1lvX2J3RWp5NXNYc3lpSkJvYkwxcmhiV1hpZHJXdHBPMlZYQWhBalJIeE1ibnM5TF9raUpBa2l3TnhFdnhlOEpoUG11QnlQSjFWbURGajBfdVo1TWtLLW5WX3kyUHdvUDNDYjltWlFoVlVjM1JPZnZUSVhGUmdhek5Sal9rbHo1cTBjSUM4?oc=5) · Crain's Cleveland
- 2026-08-22 [Interra Credit Union Promotes Clayton Sheets - timesuniononline.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxOUnhQazJ0WDFid1kwSG55cEdWaUJQT1c1LXNWR1E1amNFRzQ1YnZ5dFFkUkRUYWFyQ090VVFTTkpWNllYSU13cTU0TWdBQm1aYUEwdmNDeUVCQkx4NGxNTEd0eHd4TzY4WTBJWHRCQ2EtTGs3eGZIY3pOWlltd0JRSnd0blV2UWF3c2FYS3FTN0FTQQ?oc=5) · timesuniononline.com
- 2026-05-06 [Michael Bell Says OBL Case Against Interra Lacks Legal, Competitive Basis - cutoday.info](https://news.google.com/rss/articles/CBMirgFBVV95cUxOaVpZbHVucFdDV0kxbmhDN3ByVWRjTU5zazBPM1BrLWZVY0pYeEJna0VJR3hzYmtPQlA5cjFFaGFCNWN0QnpqWWg2SllTTnBhMmExVFJGUnRDdkRWdHloTFdQSHQtekZuaWc2dHdzb0NlVzlBVTliV2ctdC1RcmRhLXlqbTRaWGFYLUJCbFY2TTl6UHktNFY0SXdLSzEyRi1DampuQ042d0x0M25Id2c?oc=5) · cutoday.info
- 2026-08-13 [Ohio Credit Union League Statement on State Confirmation that Hicksville Bank Has Authority to Sell Assets to Interra Credit Union - Mercer County Outlook](https://news.google.com/rss/articles/CBMihAJBVV95cUxNSVVLZGpPSGZIN3NSelM1MU1GOEU4QkZSaWZLMDAzU0lpNVpPNEpvemxoUDFVWkJzX3Z4a2I2NXNEa3N1aERNdzI4Wld6WmQ5WDFHMzN1S1BGbnJwUmhjMVZxZ0FxUjJUdW5jY25PZTNuVW1kUmtCNU83TXpLcjktUktWOTBBYk9ITjFKMFlDYmpqc2JKSm5IWnlxRDBvTEpKeExXazhReUdseVZVdnhWNEZfU0M3Ujc3UnFmX1hDSTdZaVZ6TFdsNjBBMHhuNnFJVVdWWWt0c3NDUXctcVhvaG5GMGtVU0J2TTVQNzhWZHRCdzBkdzdIaHBNVkZDS2dPWVRLNw?oc=5) · Mercer County Outlook
- 2026-08-23 [Interra Credit Union Promotes Clayton Sheets - InkFreeNews.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxONGhOOUIwUk5SQUtlNGlIV1dEOUNtQk5melVFU21PSmdpeUVBdlNiYmVpeFh1aTRycnhEZjdldmU3SThRTzBObDZ3d3VzVlFudmlVQkxsOG1qMDFPZ0xLM1RDOHJPY3BpRDdoeFhVdWlVbkJPV1NUR0w0aTNCQVI5dmNUU2FHZkgyeVdtdA?oc=5) · InkFreeNews.com
- 2026-08-14 [Interra CU's Proposed Hicksville Bank Acquisition Clears Major State-Law Test - CUTimes](https://news.google.com/rss/articles/CBMisgFBVV95cUxPMXhveHQtR3JPbHpOcnVXeDNnekZWSWYyQVpCYWZGekZ0VlNPRllHb1BLTjdjOGJ4RERwUmoybTN3SF95U0lzSzFraEh2czRYN2w4dU5vN1lpank3ekRRYWlibzl0YTlER3I3YUREcDdsZEY3Y3ViQWJWMVZZYXRwa2l1Tk1uSTVFSi1YNHR1MElDQTRCQzFCazVJOF9CTXFvejhncTJadDBaY2RhdnloLXRR?oc=5) · CUTimes
- 2026-04-29 [Hicksville Bank Sells To Indiana-Based Interra Credit Union; Edgerton Branch Included - The Village Reporter](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQLWJFOGc5WUpMa3ViU21rVFdXckczZzFVLTdpOHV6TmRORF9oMjE1aTR6Z3c2aUF4MW9XMmcydmVPNXJwVnhvdklRdENjeE5YaTZMb29wZ0ZJTk1FNFlKVmE3bGZkd1dRMnhEd1cwVTlHWUtVSGt1OHJiWHZQRGhWam5wc0paZEc1ZUszelZIZjBtWnFma3J6WHhrRk5fV3dxdEdUWHRUb3BKQ2c?oc=5) · The Village Reporter

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=82794 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/42.json (key "82794", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=82794
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide