BlastPoint's Credit Union Scorecard
INTERRA
Charter #82794 · IN
INTERRA has 9 strengths but faces 2 concerns
How does the industry compare?
What's your peer group doing?
How does IN stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Credit Quality Leader: Top 20.2% in tier
- + Organic Growth Engine: Top 21.0% in tier
- + Organic Growth Leader: Top 26.3% in tier
- + Relationship Depth Leader: Top 37.9% in tier
- + Wallet Share Momentum: Top 83.5% in tier
- + ROA 0.08% above tier average
- + Total Delinquency Rate (60+ days): Top 4.6% in tier
- + Share Certificate Concentration (%): Top 4.6% in tier
- + Loan-to-Member Ratio (LMR): Top 7.9% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 7.1% in tier
- - Efficiency ratio 3.54% above tier (higher cost structure)
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
89,628
+1.9% YoY+0.4% QoQ
|
-9.1K |
98,678
-1.9% YoY
|
22,637
+3.1% YoY
|
33,089
+6.1% YoY
|
52% |
| Assets |
$2.0B
+4.9% YoY-0.2% QoQ
|
+$234.9M |
$1.7B
+0.5% YoY
|
$383.9M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
67% |
| Loans |
$1.6B
+8.7% YoY+0.5% QoQ
|
+$416.2M |
$1.2B
+0.5% YoY
|
$276.9M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
78% |
| Deposits |
$1.6B
+6.7% YoY-0.3% QoQ
|
+$168.3M |
$1.5B
+1.3% YoY
|
$323.0M
+10.5% YoY
|
$464.6M
+9.3% YoY
|
65% |
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| ROA |
0.8%
+318.1% YoY+32.3% QoQ
|
+0.1% |
0.7%
+13.4% YoY
|
0.9%
+24.5% YoY
|
0.7%
+273.4% YoY
|
62% |
| NIM |
3.1%
+27.0% YoY+2.6% QoQ
|
-0.2% |
3.3%
+9.3% YoY
|
3.8%
+8.0% YoY
|
3.7%
+5.0% YoY
|
33% |
| Efficiency Ratio |
77.5%
-14.5% YoY-4.3% QoQ
|
+3.5% |
74.0%
-10.9% YoY
|
77.7%
-3.5% YoY
|
79.1%
-3.3% YoY
|
62% |
| Delinquency Rate |
0.2%
-12.5% YoY-16.3% QoQ
|
-0.6 |
0.8%
+6.1% YoY
|
1.3%
+19.3% YoY
|
1.2%
-0.9% YoY
|
Bottom 4.6% in tier |
| Loan To Share |
101.6%
+1.9% YoY+0.8% QoQ
|
+16.4% |
85.2%
-0.8% YoY
|
69.6%
-2.1% YoY
|
68.0%
-1.7% YoY
|
Top 12.5% in tier |
| AMR |
$36,506
+5.7% YoY-0.3% QoQ
|
+$7K |
$29,172
+2.8% YoY
|
$18,326
+4.3% YoY
|
$19,418
+1.3% YoY
|
Top 12.5% in tier |
| CD Concentration |
13.3%
-8.5% YoY-2.1% QoQ
|
-15.7% |
29.0%
+0.7% YoY
|
19.0%
+9.9% YoY
|
19.6%
+6.2% YoY
|
Bottom 4.5% in tier |
| Indirect Auto % |
8.7%
-23.1% YoY-21.8% QoQ
|
-10.1% |
18.8%
-3.0% YoY
|
11.0%
-3.5% YoY
|
7.9%
-2.9% YoY
|
32% |
Signature Analysis
Strengths (5)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (1)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)