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Interra Cares Foundation Inc

EIN 82-3816459 · Goshen, IN

Public records show a registered, tax-exempt organization in good standing.

LegitimacyPassesRegistration and standingFinancial healthStrong93 out of 100GovernanceGood76 out of 100Impact evidenceDescribes programsHow well its results are evidenced

What it says it does

LIVING THE CREDIT UNION PHILOSOPHY OF PEOPLE HELPING PEOPLE. THE MISSION OF THE INTERRA CARES FOUNDATION IS TO MAKE A POSITIVE IMPACT ON THE LIVES OF THE PEOPLE SERVED BY INTERRA CREDIT UNION AND IN THE COMMUNITIES IN WHICH WE DO BUSINESS, FOCUSING PRIMARILY ON: -FINANCIAL EDUCATION & ECONOMIC EMPOWERMENT -LIFTING UP THOSE IN NEED OR COMMUNITY GIVEBACK -ENHANCING THE QUALITY OF LIFE IN THE COMMUNITIES SERVED BY INTERRA CREDIT UNION

Income
$334,160
Spending
$289,319
Spent on programs
96%
Reserves
11.4 months of spending
Largest source of income
donations and private grants, 100%
Employees
1
Highest pay
$469,666, chief strate

Source: Form 990 for the year ending December 31, 2025, filed with the Internal Revenue Service. Rating method 2026.2. How we rate

Financial health

Strong: 93 out of 100. Higher than 74% of charities in its peer group (education, $250k to $1m).

  • Reserves

    28 of 35

    Spendable reserves would cover 11.4 months of spending.

  • Debt

    20 of 20

    It owes 0% of what it owns.

  • Living within its means

    15 of 15

    Income exceeded spending by 13% of income.

  • Income trend

    15 of 15

    Income rose 89% on the year before.

  • Spending floor

    15 of 15

    96% of spending went to programs and raising each dollar of donations cost 0 cents.

Source: Form 990 for the year ending December 31, 2025, filed with the Internal Revenue Service. Rating method 2026.2. How we rate

Governance

Good: 76 out of 100. Higher than 61% of charities in its peer group (education, $250k to $1m).

  • Independent board

    25 of 25

    7 of 8 voting board members are independent.

  • Conflict of interest policy

    15 of 15

    Has a written conflict of interest policy.

  • Whistleblower policy

    0 of 8

    Reports no written whistleblower policy.

  • Record keeping policy

    0 of 7

    Reports no written policy on keeping and destroying records.

  • Board minutes

    5 of 5

    Keeps minutes of board meetings.

  • Board sees the tax return

    10 of 10

    Gave the board a copy of this return before filing it.

  • Pay set independently

    5 of 5

    Sets its chief executive's pay through independent review and comparison.

  • Independent check of accounts

    6 of 15

    Its accounts were not audited or reviewed by an independent accountant.

  • No reported misuse

    10 of 10

    Reports no diversion of assets, excess benefits or loans to insiders.

Source: Form 990 for the year ending December 31, 2025, filed with the Internal Revenue Service. Rating method 2026.2. How we rate

Impact evidence

Describes programs. Its tax return describes what it does but we have found no measurable results in it.

Programs described in its return (1)
  1. $278,899 spent. THE FOUNDATION OPERATES TO SUPPORT THOSE SERVED BY INTERRA CREDIT UNION AND SURROUNDING AREAS BY FOCUSING ON FINANCIAL EDUCATION, ECONOMIC EMPOWERMENT, COMMUNITY GIVEBACK AND ENHANCING THE QUALITY OF LIFE TO INCLUDE: QCASH - SMALL DOLLAR, SMART PHONE LENDING APP. 2,933 CREDIT UNION MEMBERS BORROWED MORE THAN 5 MILLION. GREENPATH FINANCIAL WELLNESS - CREDIT AND DEBT COUNSELING AND EDUCATION. 567 MEMBERS. COMMUNITY IMPACT FUND - 0% INTEREST RATE LOAN OFFERED AS EMPLOYEE BENEFIT. 13 EMPLOYEES. ALTERNATIVE AUTO LENDING - RELATIONSHIP-BASED LOAN FOR RELIABLE TRANSPORTATION. 4 OUTSTANDING LOANS. EVERY YEAR THERE IS A QCASH PROFIT DISTRIBUTION TO THE FOUNDATION. LAST YEAR IT WAS AROUND 150K. THERE IS AN OPERATING AGREEMENT BETWEEN THE CREDIT UNION AND THE FOUNDATION. ALL COSTS ARE RUN THROUGH THE CREDIT UNION AND IT IS A PROFITABLE VENTURE. GREENPATH PROVIDES CREDIT COUNSELING SERVICES FREE OF CHARGE TO INTERRA MEMBERS. THEIR MONTHLY FEE IS PAID DIRECTLY FROM THE FOUNDATION. THE COMMUNITY IMPACT FUND (CIF) IS RUN ENTIRELY ON THE CIF'S BOOKS. THE CREDIT UNION MAKES CAPITAL CONTRIBUTIONS TO THE CIF THROUGH THE FOUNDATION TO FUND THE REVOLVING LOAN POOL. THE LAST CONTRIBUTION WAS 25K. ALTERNATIVE AUTO LENDING IS FUNDED THROUGH THE MEMBERS FINANCIAL MANAGEMENT CENTER CUSO, WHICH SERVES AS THE HOLDING COMPANY FOR THE PARTNERSHIP BETWEEN THE FOUNDATION AND LACASA. ALL EXPENSES ARE INCURRED BY LACASA AND PAID THROUGH THE CUSO. THE FOUNDATION OPERATES TO SUPPORT THOSE SERVED BY INTERRA CREDIT UNION AND SURROUNDING AREAS BY FOCUSING ON FINANCIAL EDUCATION, ECONOMIC EMPOWERMENT, COMMUNITY GIVEBACK AND ENHANCING THE QUALITY OF LIFE TO INCLUDE: QCASH - SMALL DOLLAR, SMART PHONE LENDING APP. 2,933 CREDIT UNION MEMBERS BORROWED MORE THAN 5 MILLION. GREENPATH FINANCIAL WELLNESS - CREDIT AND DEBT COUNSELING AND EDUCATION. 567 MEMBERS. COMMUNITY IMPACT FUND - 0% INTEREST RATE LOAN OFFERED AS EMPLOYEE BENEFIT. 13 EMPLOYEES. ALTERNATIVE AUTO LENDING - RELATIONSHIP-BASED LOAN FOR RELIABLE TRANSPORTATION. 4 OUTSTANDING LOANS. EVERY YEAR THERE IS A QCASH PROFIT DISTRIBUTION TO THE FOUNDATION. LAST YEAR IT WAS AROUND 150K. THERE IS AN OPERATING AGREEMENT BETWEEN THE CREDIT UNION AND THE FOUNDATION. ALL COSTS ARE RUN THROUGH THE CREDIT UNION AND IT IS A PROFITABLE VENTURE. GREENPATH PROVIDES CREDIT COUNSELING SERVICES FREE OF CHARGE TO INTERRA MEMBERS. THEIR MONTHLY FEE IS PAID DIRECTLY FROM THE FOUNDATION. THE COMMUNITY IMPACT FUND (CIF) IS RUN ENTIRELY ON THE CIF'S BOOKS. THE CREDIT UNION MAKES CAPITAL CONTRIBUTIONS TO THE CIF THROUGH THE FOUNDATION TO FUND THE REVOLVING LOAN POOL. THE LAST CONTRIBUTION WAS 25K. ALTERNATIVE AUTO LENDING IS FUNDED THROUGH THE MEMBERS FINANCIAL MANAGEMENT CENTER CUSO, WHICH SERVES AS THE HOLDING COMPANY FOR THE PARTNERSHIP BETWEEN THE FOUNDATION AND LACASA. ALL EXPENSES ARE INCURRED BY LACASA AND PAID THROUGH THE CUSO.

Source: Form 990 for the year ending December 31, 2025, filed with the Internal Revenue Service. Rating method 2026.2. How we rate

Legitimacy checks

  1. Is it registered with the IRS? Passed.

    Listed in the IRS master file of tax-exempt organizations as a 501(c)(3) charitable organization.

    Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.

  2. Has the IRS revoked its tax-exempt status? Passed.

    Not on the IRS automatic revocation list.

    Source: Automatic revocation of exemption list, Internal Revenue Service, file dated October 13, 2026.

  3. Are donations tax-deductible? Passed.

    On the IRS list of organizations eligible to receive tax-deductible contributions.

    Source: Publication 78 data: organizations eligible for tax-deductible contributions, Internal Revenue Service, file dated October 13, 2026.

  4. Is it keeping up with its IRS filings? Passed.

    Most recent return on file covers the year ending December 2025.

    Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.

  5. How long has it been tax-exempt? Passed.

    Recognized by the IRS since April 2020.

    Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.

  6. Is it in good standing with state regulators? Passed.

    Not on California's list of charities barred from soliciting. Other states are not yet checked.

    Source: May Not Operate or Solicit for Charitable Purposes list, California Attorney General, Registry of Charities and Fundraisers, file dated October 21, 2026.

Ratings and checks are our reading of public records, using the published method. They are not a statement about anyone's honesty. If you work for this organization, you can send corrections or results, confirm you want gifts through Veridonate, or ask to be removed from giving.