Interra Credit Union
501(c)(14)
Strong reserves Growing revenue
Interra Credit Union is a 501(c)(14) organization based in Goshen, Indiana, registered in 2019, with $110,651,659 in FY2024 revenue.
300 W Lincoln Ave, Goshen, IN, 46526 EIN 35-1082578 Since 2019
Revenue (FY2024)
$110.7M
▲ 16.8% vs prior year
Expenses (FY2024)
$106.4M
Net assets
$1.7B
Employees
381
CharityIndex rating
One independent A+ to F grade from four published criteria, each scored separately from IRS filings and combined by weight.
A
—Program efficiency40% of the ratingNo expense breakdown in filings
Measures how much of every dollar spent actually reaches programs, plus what it costs to raise $100 of donations. The worse of the two measures sets the letter (85%+ to programs is an A; under $15 to raise $100 is an A), averaged over the three most recent filings. Not scored for Interra Credit Union— this filing type doesn't report it, and the rating simply skips it (never counts it against the organization). See the exact thresholds →
B+Financial health25% of the rating194 mo reserves · +4% margin
Measures whether the organization is built to last: how many months its reserves would cover expenses (3+ months earns an A-range score, but hoarding 5+ years of budget is capped) and whether it runs a surplus or a deficit. For Interra Credit Union: 194 mo reserves · +4% margin earns a B+ on this criterion. See the exact thresholds →
AGovernance25% of the rating5 of 6 checks met
Checks how the organization is run, from its own Form 990: an independent board majority, a board of five or more, conflict-of-interest, whistleblower and document-retention policies, and independently audited financials. The share of disclosed checks that pass sets the letter. For Interra Credit Union: 5 of 6 checks met earns a A on this criterion. See the exact thresholds →
ATransparency10% of the rating4 of 5 disclosure signals
Counts five disclosure signals: a recent filing, a mission statement, program descriptions, a listed website, and the full expense breakdown. More disclosure, better letter. For Interra Credit Union: 4 of 5 disclosure signals earns a A on this criterion. See the exact thresholds →
Show this grade on your website
A live seal — it updates automatically when the grade changes and links donors to this verified profile.
Mission
Cooperative financial institution with a mission to be our members' most trusted and valued financial resource.
Contact & location
Financial trends
Revenue grew from $28.6M (FY2013) to $110.7M (FY2024) across 12 reported years.
Financial snapshot
Financial health & position (FY2024)
Liabilities $173.0MNet assets $1.7B
Operating margin
3.9%
Revenue exceeded expenses in the latest fiscal year.
Total assets
$1.9B
Total liabilities
$173.0M
Net assets
$1.7B
Salaries & benefits
$33.3M
31% of expenses
Board members
7
0 independent
Financials by year
| Fiscal year | Revenue | Expenses | Net assets | Total assets | Form |
|---|---|---|---|---|---|
| 2024 | $110,651,659▲16.8% | $106,368,256▲19.0% | $1,716,688,612▲8.3% | $1,889,737,584▲5.6% | 990 |
| 2023 | $94,735,928▲20.6% | $89,416,733▲36.7% | $1,585,221,061▲4.2% | $1,789,697,665▲3.5% | 990 |
| 2022 | $78,567,352▲14.8% | $65,410,787▲16.6% | $1,521,582,330▼2.5% | $1,729,309,685▲6.7% | 990 |
| 2021 | $68,430,398▲1.1% | $56,116,915▼4.3% | $1,560,079,685▲16.1% | $1,620,181,637▲15.7% | 990 |
| 2020 | $67,652,585▲1.6% | $58,651,061▲6.8% | $1,343,191,847▲17.7% | $1,400,460,265▲16.2% | 990 |
| 2019 | $66,566,659▲13.2% | $54,938,994▲9.5% | $1,140,786,067▲10.3% | $1,204,756,193▲3.7% | 990 |
| 2018 | $58,802,172▲19.0% | $50,159,667▲19.7% | $1,034,314,607▲7.8% | $1,161,804,270▲10.7% | 990 |
| 2017 | $49,424,127▲16.0% | $41,893,898▲10.0% | $959,206,826▲5.7% | $1,049,405,307▲14.2% | 990 |
| 2016 | $42,589,181▲14.1% | $38,072,623▲18.4% | $907,270,761▲13.5% | $918,936,365▲14.4% | 990 |
| 2015 | $37,313,016▲19.8% | $32,154,600▲20.8% | $799,153,434▲11.6% | $803,396,066▲11.6% | 990 |
| 2014 | $31,137,025▲8.9% | $26,617,354▲10.0% | $716,073,938▲7.8% | $720,036,886▲7.9% | 990 |
| 2013 | $28,593,125 | $24,191,712▲5.7% | $664,270,275▲3.5% | $667,471,650▲3.6% | 990 |
| 2012 | — | $22,881,444▲3.9% | $641,572,501▲11.7% | $644,419,074▲11.8% | 990 |
| 2011 | — | $22,029,629▼5.9% | $574,512,416▲6.6% | $576,506,487▲6.6% | 990 |
| 2010 | — | $23,417,344 | $538,769,103 | $540,695,941 | 990 |
Original Form 990 PDFs (the Form column) are served by ProPublica Nonprofit Explorer, as filed with the IRS. Create a free account to download the CSV report.
Leadership & compensation (FY2024)
Highest-paid: Amy Sink — $982,192 (0.92% of total expenses)
| Name | Title | Hours/week | Compensation |
|---|---|---|---|
| Amy Sink | President / Ceo | 40 | $982,192 |
| Andy Marshall | Evp Coo | 40 | $453,958 |
| Laura Miller | Head of Human Resources (left 11/22) | 40 | $438,121 |
| Jim Henning | Cfo | 40 | $332,711 |
| Phil Wiens | Clo | 40 | $307,612 |
| David Birky | Cso | 40 | $304,905 |
| John Potter | Head of Mortgage Services (left 11/19) | 40 | $240,435 |
| Michael Blosser | Head of Commercial Services | 40 | $235,092 |
| Joel Richard | Chief Member Experience Officer | 40 | $220,819 |
| Jennifer Klein | Head of Finance & Deposit Operations (left 7/10) | 40 | $213,303 |
| David Dekker | Head of Consumer Services | 40 | $212,192 |
| Daniel Carroll | Head of Credit Administration | 40 | $211,367 |
| Angela Pletcher | Head of Enterprise Risk Mgmt | 40 | $193,668 |
| Randy Lehman | Manager of Commercial Lending | 40 | $192,647 |
| Jason Golden | Agribusiness Lender IV | 40 | $190,413 |
| Tim Yoder | Chairman | 1 | $30,000 |
| Carl Stoltzfus | Treasurer | 1 | $20,000 |
| Randy Zimmerly | Secretary | 1 | $20,000 |
| Vince Beasley | Vice Chairman | 1 | $20,000 |
| Bruce Stahly | Director | 1 | $18,000 |
Top vendors & contractors (FY2024)
| Contractor | Services | Paid |
|---|---|---|
| Pscu Financial Services Valera | Credit / Debit Card Products | $3,581,666 |
| Aunalytics | Bus. Info Services | $1,344,187 |
| Lumin Digital | Web Services / Programming | $1,241,616 |
| Cdw Direct LLC | Computer Hardware / Software | $680,129 |
| Cu Posh Technologies | Web / Voice Services / Programming | $648,442 |
Grants made · $308K in FY2024
2 grants totaling $308K in FY2024. All grants made by Interra Credit Union →
| Recipient | Purpose | Amount |
|---|---|---|
| Interra Cares Foundation Inc | Support | $285,468 |
| National Credit Union Foundation Inc | Support | $22,500 |
Frequently asked questions
- Is Interra Credit Union a legitimate nonprofit?
- Yes. Interra Credit Union is a 501(c)(14) organization registered with the U.S. Internal Revenue Service under EIN 35-1082578, based in Goshen, Indiana.
- What is Interra Credit Union's EIN?
- Interra Credit Union's Employer Identification Number (EIN) is 35-1082578.
- How much revenue does Interra Credit Union report?
- Interra Credit Union reported $110,651,659 in total revenue on its fiscal year 2024 IRS Form 990 filing.
- How much does Interra Credit Union's highest-paid employee make?
- The highest reported compensation on Interra Credit Union's latest Form 990 is $982,192, paid to Amy Sink (President / Ceo).
More nonprofits in Goshen
Explore more
Data for Interra Credit Union (EIN 35-1082578) comes from the IRS Business Master File and e-filed Form 990 returns, via CharityIndex. Figures reflect what the organization reported to the IRS for each fiscal year.