BlastPoint's Credit Union Scorecard

INTERRA

Charter #82794 · IN

Mid-Market 1B-3B

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

View Mid-Market leaderboard →

INTERRA has 8 strengths but faces 5 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 46.6% in tier
+ Organic Growth Engine: Top 61.6% in tier
+ Organic Growth Leader: Top 61.6% in tier
+ Share Certificate Concentration (%): Top 3.6% in tier
+ Loan-to-Member Ratio (LMR): Top 5.9% in tier
+ Total Delinquency Rate (60+ days): Top 6.5% in tier
+ Loan-to-Share Ratio: Top 6.5% in tier
+ Net Charge-Off Rate: Top 7.5% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 7.6% in tier
- Efficiency Drag: Bottom 26.1% in tier
- Credit Risk Growth: Bottom 47.1% in tier
- Credit Quality Pressure: Bottom 49.5% in tier
- Efficiency ratio 5.39% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Members	89,669 +1.2% YoY+0.0% QoQ	-6.4K	96,048 -2.7% YoY	22,524 +2.8% YoY	33,913 +5.7% YoY	55%
Assets	$2.0B +1.5% YoY+1.8% QoQ	+$266.7M	$1.7B +0.4% YoY	$399.0M +8.5% YoY	$578.3M +9.0% YoY	67%
Loans	$1.7B +6.4% YoY+2.0% QoQ	+$492.6M	$1.2B +0.2% YoY	$281.9M +8.4% YoY	$402.4M +8.7% YoY	82%
Deposits	$1.7B +3.1% YoY-0.3% QoQ	+$204.1M	$1.5B +0.5% YoY	$336.4M +8.1% YoY	$494.3M +9.1% YoY	67%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.8% +72.6% YoY-12.0% QoQ	+0.0%	0.7% +27.6% YoY	0.6% -3.4% YoY	0.4% -39.2% YoY	58%
NIM	3.4% +15.2% YoY+6.8% QoQ	+0.0%	3.4% +6.2% YoY	3.7% -1.2% YoY	3.8% +4.1% YoY	50%
Efficiency Ratio	80.0% -3.0% YoY+5.4% QoQ	+5.4%	74.6% -3.0% YoY	86.7% +4.4% YoY	84.6% +2.8% YoY	72%
Delinquency Rate	0.2% +27.9% YoY-18.1% QoQ	-0.6	0.8% +6.9% YoY	1.1% +11.5% YoY	1.2% +3.4% YoY	Top 6.5% in tier
Loan To Share	102.2% +3.2% YoY+2.3% QoQ	+19.0%	83.2% -0.4% YoY	67.3% +1.1% YoY	65.6% -1.4% YoY	Top 6.9% in tier
AMR	$37,649 +3.5% YoY+0.8% QoQ	+$8K	$29,652 +2.3% YoY	$18,911 +5.2% YoY	$19,920 +1.6% YoY	Top 13.4% in tier
CD Concentration	12.2% -12.3% YoY-1.0% QoQ	-16.7%	28.8%	18.9%	19.8%	Bottom 3.4% in tier
Indirect Auto %	8.2% -26.5% YoY-2.5% QoQ	-9.9%	18.1%	10.4%	7.7%	33%

Signature Analysis

Strengths (3)

Relationship Depth Leader

growth

#49 of 64 • Top 46.6% 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): 3.49%

(Tier: 3.34%, National: 6.36%)

better than tier avg

Share Draft per Member: $6.8K

(Tier: $3.3K, National: $2.1K)

better than tier avg

64 of 384 Mid-Market CUs have this signature | 342 nationally

↑ Growing +9 CUs YoY | Rank worsening

Organic Growth Engine

growth

#100 of 115 • Top 61.6% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.17%

(Tier: 3.50%, National: 10.19%)

but worse than tier avg

Return on Assets: 0.75%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Indirect Auto %: 8.21%

(Tier: 18.07%, National: 7.73%)

better than tier avg

115 of 384 Mid-Market CUs have this signature | 499 nationally

→ No prior data (115 CUs now) | New qualifier

Organic Growth Leader

growth

#103 of 116 • Top 61.6% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.17%

(Tier: 3.50%, National: 10.19%)

but worse than tier avg

Indirect Auto %: 8.21%

(Tier: 18.07%, National: 7.73%)

better than tier avg

116 of 384 Mid-Market CUs have this signature | 518 nationally

→ No prior data (116 CUs now) | New qualifier

Concerns (4)

Liquidity Strain

risk

#33 of 148 • Bottom 7.6% in tier

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

Why This Signature

Loan-to-Share Ratio: 102.20%

(Tier: 84.20%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 6.38%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

148 of 384 Mid-Market CUs have this signature | 367 nationally

→ Stable (149→148 CUs) -1 CUs YoY | Rank improving

Credit Risk Growth

risk

#150 of 183 • Bottom 47.1% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 6.38%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.04% points

(Tier: 0.06% points, National: 0.12% points)

but better than tier avg

183 of 384 Mid-Market CUs have this signature | 710 nationally

→ No prior data (183 CUs now) | New qualifier

Credit Quality Pressure

risk

#188 of 225 • Bottom 49.5% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.04% points

(Tier: 0.06% points, National: 0.12% points)

but better than tier avg

225 of 384 Mid-Market CUs have this signature | 1013 nationally

→ Stable (228→225 CUs) -3 CUs YoY | New qualifier

Efficiency Drag

risk

#86 of 100 • Bottom 26.1% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 80.02%

(Tier: 73.98%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.32% points

(Tier: 0.14% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): 1.17%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

100 of 384 Mid-Market CUs have this signature | 702 nationally

↓ Shrinking -38 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 306 peers in tier

Top Strengths (7 metrics)

Share Certificate Concentration (%)

balance_sheet

Value: 12.17%

Peer Median: 27.93%

#12 of 306 Top 3.6% in 1B-3B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $19,030

Peer Median: $12,733

#19 of 306 Top 5.9% in 1B-3B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.17%

Peer Median: 0.63%

#21 of 306 Top 6.5% in 1B-3B tier

Loan-to-Share Ratio

balance_sheet

Value: 102.20%

Peer Median: 85.31%

#21 of 306 Top 6.5% in 1B-3B tier

Net Charge-Off Rate

risk

Value: 0.11%

Peer Median: 0.51%

#24 of 306 Top 7.5% in 1B-3B tier

Average Member Relationship (AMR)

engagement

Value: $37,649

Peer Median: $28,178

#41 of 306 Top 13.1% in 1B-3B tier

Total Loans

balance_sheet

Value: $1.71B

Peer Median: $1.11B

#55 of 306 Top 17.6% in 1B-3B tier

Top Weaknesses (3 metrics)

271

Members Per Employee (MPE)

engagement

Value: 270.087

Peer Median: 345.077

#271 of 306 Bottom 11.8% in 1B-3B tier

252

Net Worth Ratio

risk

Value: 9.28%

Peer Median: 10.85%

#252 of 306 Bottom 18.0% in 1B-3B tier

249

Asset Growth Rate

growth

Value: 1.53%

Peer Median: 4.82%

#249 of 306 Bottom 19.0% in 1B-3B tier