BlastPoint's Credit Union Scorecard

INTERRA

Charter #82794 · IN

Mid-Market 1B-3B

302 CUs in 1B-3B nationally 11 in IN

View Mid-Market leaderboard →

INTERRA has 8 strengths but faces 2 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

IN Analysis

How does IN stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 54.7% in tier
+ Organic Growth Engine: Top 61.8% in tier
+ Organic Growth Leader: Top 79.4% in tier
+ Wallet Share Momentum: Top 100.0% in tier
+ ROA 0.17% above tier average
+ Share Certificate Concentration (%): Top 3.6% in tier
+ Total Delinquency Rate (60+ days): Top 6.0% in tier
+ Loan-to-Member Ratio (LMR): Top 7.0% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 30.9% in tier
- Efficiency ratio 1.84% above tier (higher cost structure)

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Members	89,635 +1.7% YoY+0.0% QoQ	-7.8K	97,431 -2.4% YoY	22,624 +3.2% YoY	33,374 +5.7% YoY	54%
Assets	$2.0B +3.3% YoY-0.1% QoQ	+$228.3M	$1.7B +0.9% YoY	$390.3M +10.1% YoY	$561.6M +9.7% YoY	67%
Loans	$1.7B +6.8% YoY+1.4% QoQ	+$438.3M	$1.2B +0.5% YoY	$281.2M +8.6% YoY	$397.0M +8.8% YoY	80%
Deposits	$1.7B +6.8% YoY+3.2% QoQ	+$215.6M	$1.5B +0.9% YoY	$327.7M +9.9% YoY	$477.3M +9.7% YoY	68%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.9% +275.6% YoY+9.7% QoQ	+0.2%	0.7% +20.9% YoY	0.9% +52.7% YoY	0.7% +15.9% YoY	68%
NIM	3.2% +25.4% YoY+2.7% QoQ	-0.1%	3.3% +9.2% YoY	3.9% +8.6% YoY	3.8% +5.1% YoY	38%
Efficiency Ratio	75.9% -13.6% YoY-2.1% QoQ	+1.8%	74.1% -9.5% YoY	78.1% -3.9% YoY	79.7% -3.3% YoY	57%
Delinquency Rate	0.2% -28.9% YoY+10.4% QoQ	-0.7	0.9% +6.2% YoY	1.3% +9.0% YoY	1.3% -2.1% YoY	Bottom 6.0% in tier
Loan To Share	99.9% -0.1% YoY-1.7% QoQ	+15.1%	84.8% -0.8% YoY	69.9% +0.6% YoY	67.4% -1.7% YoY	Top 12.3% in tier
AMR	$37,348 +5.0% YoY+2.3% QoQ	+$8K	$29,428 +2.4% YoY	$18,520 +5.2% YoY	$19,687 +2.0% YoY	Top 12.3% in tier
CD Concentration	12.3% -16.1% YoY-7.7% QoQ	-16.8%	29.0%	19.3%	19.8%	Bottom 3.5% in tier
Indirect Auto %	8.4% -23.2% YoY-2.7% QoQ	-9.9%	18.3%	10.7%	7.8%	33%

Signature Analysis

Strengths (4)

Relationship Depth Leader

growth

#36 of 65 • Top 54.7% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 5.03%

(Tier: 3.31%, National: 4.00%)

better than tier avg

Share Draft per Member: $7.2K

(Tier: $3.2K, National: $2.0K)

better than tier avg

65 of 378 Mid-Market CUs have this signature | 351 nationally

↑ Growing +20 CUs YoY | Rank worsening

Organic Growth Engine

growth

#153 of 247 • Top 61.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.69%

(Tier: 3.43%, National: 4.32%)

but worse than tier avg

Return on Assets: 0.86%

(Tier: 0.69%, National: 0.67%)

better than tier avg

Indirect Auto %: 8.42%

(Tier: 18.31%, National: 7.78%)

better than tier avg

247 of 378 Mid-Market CUs have this signature | 913 nationally

→ No prior data (247 CUs now) | New qualifier

Organic Growth Leader

growth

#113 of 142 • Top 79.4% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.69%

(Tier: 3.43%, National: 4.32%)

but worse than tier avg

Indirect Auto %: 8.42%

(Tier: 18.31%, National: 7.78%)

better than tier avg

142 of 378 Mid-Market CUs have this signature | 609 nationally

→ No prior data (142 CUs now) | New qualifier

Wallet Share Momentum

growth

#123 of 123 • Top 100.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 5.03%

(Tier: 3.31%, National: 4.00%)

better than tier avg

123 of 378 Mid-Market CUs have this signature | 662 nationally

↑ Growing +38 CUs YoY | Rank worsening

Concerns (1)

Liquidity Strain

risk

#52 of 166 • Bottom 30.9% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 99.86%

(Tier: 85.73%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): 6.78%

(Tier: 6.38%, National: 111.96%)

but better than tier avg

166 of 378 Mid-Market CUs have this signature | 439 nationally

↓ Shrinking -7 CUs YoY | Rank improving

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)

Compare against:

Comparing against 302 peers in tier

Top Strengths (7 metrics)

Share Certificate Concentration (%)

balance_sheet

Value: 12.29%

Peer Median: -

#12 of 302 Top 3.6% in 1B-3B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.21%

Peer Median: -

#19 of 302 Top 6.0% in 1B-3B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $18,661

Peer Median: -

#22 of 302 Top 7.0% in 1B-3B tier

Net Charge-Off Rate

risk

Value: 0.18%

Peer Median: -

#37 of 302 Top 11.9% in 1B-3B tier

Loan-to-Share Ratio

balance_sheet

Value: 99.86%

Peer Median: -

#37 of 302 Top 11.9% in 1B-3B tier

Average Member Relationship (AMR)

engagement

Value: $37,348

Peer Median: -

#37 of 302 Top 11.9% in 1B-3B tier

Total Loans

balance_sheet

Value: $1.67B

Peer Median: -

#59 of 302 Top 19.2% in 1B-3B tier

Top Weaknesses (2 metrics)

272

Members Per Employee (MPE)

engagement

Value: 267.567

Peer Median: -

#272 of 302 Bottom 10.3% in 1B-3B tier

251

Net Worth Ratio

risk

Value: 9.26%

Peer Median: -

#251 of 302 Bottom 17.2% in 1B-3B tier