Federal credit union · Delevan, New York · NCUA charter #21875
Tri-county
Health score 82/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $4.8M
- Total assets
- 714
- Members
- 14.8%
- Net-worth ratio
Tri-county - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #21875: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Tri-county - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)60
- Earnings (ROA)100
- Member growth47
- Liquidity (loan-to-share)100
Weighted composite: 82/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 14.81% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 14.81% | 30% |
| Delinquency Rate | 1.67% | 25% |
| Return on Assets | 1.18% | 15% |
| Member Growth | -1.11% | 15% |
| Loan-to-Share Ratio | 85.41% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $4.8M | 714 |
| 2024Q4 | $4.8M | 722 |
| 2023Q4 | $4.9M | 743 |
Credit Union Details
- Charter Number
- 21875
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- New York
- City
- Delevan
- Data Quarter
- 2025Q4
What This Data Says About Tri-county
Headquartered in Delevan, New York, Tri-county is a federal credit union with 714 members, $4.8M in total assets, and $3.2M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 82/100 (Excellent), driven in part by a net worth ratio of 14.81% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #21875 and reports within peer group $2M–$10M, a cohort of 566 similarly-sized institutions.
On loan book quality: 1.67% of loans are 60+ days past due against the total loan book - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers. Meanwhile a 85.41% loan-to-share ratio shows how aggressively member deposits get deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 1.18% on net income of $57K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -1.11%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Community); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in New York
More federally-insured credit unions based in New York, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Tri-county financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Tri-county carries a financial health score of 82/100 (Excellent). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 14.81% net worth ratio and a 1.67% delinquency rate.
How does Tri-county compare to other credit unions?
Tri-county scores 82/100 on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Tri-county?
Tri-county 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 Tri-county directly for the exact boundaries and application steps.
Is my money safe at Tri-county?
Federal credit unions like Tri-county are 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. Tri-county's net worth ratio of 14.81% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Tri-county offer compared to banks?
Credit unions like Tri-county are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Tri-county directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.