Federal credit union · Ticonderoga, New York · NCUA charter #9219
TRAILNORTH
Health score 82/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $176.4M
- Total assets
- 10,967
- Members
- 9.7%
- Net-worth ratio
TRAILNORTH scores 82/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $176.4M; members 10,967; net-worth ratio 9.73%; health rank #2,464 of 4,374; healthier than 43rd of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,464 of 4,374 health · 2025Q4TRAILNORTH · health 82/100 · $176.4M · 2025Q4
Call Report peers
TRAILNORTH in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
TRAILNORTH vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); TRAILNORTH sits in 80-84 with 767 others.
82 43rd percentile higher than 43% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Where TRAILNORTH diverges from peer averages
- Largest lag: Loan-to-Share Ratio at 57.23% vs peer 72.20% (-14.97 pp).
TRAILNORTH in New York
- In New York, health place is #139 of 272 on the same NCUA-ratio sort used nationally.
- Assets rank #62 of 272 inside New York ($176.4M reported).
- Membership ranks #67 of 272 among New York CUs with a reported count (10,967 members).
- One place up in New York, Great Meadow (#138) ties at 82/100; one place down, ACTORS (#140) ties at 82/100.
Quarter path for TRAILNORTH
TRAILNORTH: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.0% from $176.4M (2025Q4) to $176.5M (2026Q1).
- Net-worth ratio shifted +0.15 pp (9.58% → 9.73%).
This credit union's 9.73% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 82/100 score is built
TRAILNORTH gives up 18 points in total. Delinquency Rate costs the most, 6.2 of its 25; Net Worth Ratio loses the least, 0.7.
- Net Worth Ratio 29.3 pts
- Delinquency Rate 18.8 pts
- Return on Assets 12.7 pts
- Member Growth 9.1 pts
- Loan-to-Share Ratio 12.1 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.73% | -2.38 pp |
| Delinquency Rate | 1.16% | +0.27 pp |
| Return on Assets | 0.35% | -0.27 pp |
| Member Growth | 0.06% | - |
| Loan-to-Share Ratio | 57.23% | -14.97 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Call Report history - TRAILNORTH
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $176.5M | - |
| 2025Q4 | $176.4M | 10,967 |
| 2024Q4 | $166.6M | 10,960 |
| 2023Q4 | $161.3M | 10,836 |
Credit Union Details
- Charter Number
- 9219
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- New York
- City
- Ticonderoga
- Data Quarter
- 2025Q4
Branch Locations (4)
Per its most recent NCUA branch filing, TRAILNORTH runs 4 offices in 3 different cities.
| Office | City |
|---|---|
| TrailNorth Federal Credit Union (Main Office) | Ticonderoga, NY |
| TrainNorth Federal Credit Union | Elizabethtown, NY |
| TrailNorth Federal Credit Union | Port Henry, NY |
| TrailNorth Federal Credit Union | Ticonderoga, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
Other federally-insured credit unions in New York, closest first by peer group and asset size.
Cross-state Call Report peers for TRAILNORTH
Using this data
- TRAILNORTH ranks #2,464 of 4,374 nationally on financial health and #139 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- First Choice Financial is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with First Choice Financial
Frequently Asked Questions
Is TRAILNORTH financially healthy?
TRAILNORTH has a financial health score of 82/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,464 of 4,374 nationally on health and #139 of 272 in New York. Its net worth ratio is 9.73% and its delinquency rate 1.16%.
How does TRAILNORTH compare to other credit unions?
TRAILNORTH scores 82/100, higher than 43% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (57.23% vs 72.20%).
How can I join TRAILNORTH?
TRAILNORTH operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact TRAILNORTH directly for the exact boundaries and application steps.
Is my money safe at TRAILNORTH?
TRAILNORTH is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. TRAILNORTH's net worth ratio of 9.73% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.