INTERRA

Charter #82794 | IN

1B-3B (304 CUs) Mid-Market (380 CUs)
11 1B-3B in IN

INTERRA has 8 strengths but faces 2 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 3.0% in tier
  • + Wallet Share Momentum: Top 13.3% in tier
  • + Organic Growth Engine: Top 21.0% in tier
  • + Organic Growth Leader: Top 26.3% 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
 52nd in tier
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
 67th in tier
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
 Top 22.4% in tier
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
 65th in tier
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
 62nd in tier
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
 33rd in tier
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
 62nd in tier
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%
+0.8% 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%
-2.8% YoY
 11.0%
-3.5% YoY
 7.9%
-2.9% YoY
 32nd in tier

Signature Analysis

Strengths (4)

Relationship Depth Leader

growth
#23 of 264 • Top 3.0% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 5.70%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $6.8K
(Tier: $3.1K, National: $2.0K)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#97 of 264 • Top 13.3% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 5.70%
(Tier: 3.04%, National: 4.19%)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank worsening

Organic Growth Engine

growth
#153 of 246 • Top 21.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 1.88%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
Return on Assets: 0.78%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Indirect Auto %: 8.65%
(Tier: 18.80%, National: 7.90%)
better than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | New qualifier

Organic Growth Leader

growth
#104 of 138 • Top 26.3% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 1.88%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
138 of 380 Mid-Market CUs have this signature | 608 nationally
↑ Growing +11 CUs YoY | New qualifier

Concerns (1)

Liquidity Strain

risk
#38 of 183 • Bottom 7.1% in tier

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

Why This Signature
Loan-to-Share Ratio: 101.64%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 8.68%
(Tier: 6.14%, National: 36.38%)
but better than tier avg
183 of 380 Mid-Market CUs have this signature | 484 nationally
↑ Growing +10 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)

Comparing against 304 peers in tier

Top Strengths (7 metrics)

15
Total Delinquency Rate (60+ days)
risk
Value: 0.19%
Peer Avg: 0.83%
#15 of 304 Top 4.6% in 1B-3B tier
15
Share Certificate Concentration (%)
balance_sheet
Value: 13.31%
Peer Avg: 28.53%
#15 of 304 Top 4.6% in 1B-3B tier
25
Loan-to-Member Ratio (LMR)
engagement
Value: $18,401
Peer Avg: $13,213
#25 of 304 Top 7.9% in 1B-3B tier
38
Loan-to-Share Ratio
balance_sheet
Value: 101.64%
Peer Avg: 85.19%
#38 of 304 Top 12.2% in 1B-3B tier
38
Average Member Relationship (AMR)
engagement
Value: $36,506
Peer Avg: $29,172
#38 of 304 Top 12.2% in 1B-3B tier
39
Net Charge-Off Rate
risk
Value: 0.18%
Peer Avg: 0.60%
#39 of 304 Top 12.5% in 1B-3B tier
68
Total Loans
balance_sheet
Value: $1.65B
Peer Avg: $1.23B
#68 of 304 Top 22.0% in 1B-3B tier

Top Weaknesses (2 metrics)

270
Net Worth Ratio
risk
Value: 9.01%
Peer Avg: 11.44%
#270 of 304 Bottom 11.5% in 1B-3B tier
268
Members Per Employee (MPE)
engagement
Value: 275.778
Peer Avg: 364.953
#268 of 304 Bottom 12.2% in 1B-3B tier