Federal credit union · Delevan, New York · NCUA charter #21875
TRI-COUNTY
Health score 82/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $4.8M
- Total assets
- 714
- Members
- 21.3%
- Net-worth ratio
TRI-COUNTY scores 82/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $4.8M; members 714; net-worth ratio 21.25%; health rank #2,378 of 4,374; healthier than 43rd of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,378 of 4,374 health · 2025Q4TRI-COUNTY · health 82/100 · $4.8M · 2025Q4
- HEALTH 82/100
- NW 21.3%
- DELQ 1.67%
- ROA 1.18%
- ASSETS $4.8M
- MEM 714
- RANK #2,378/4,374
- PHOTO n/a
- BOOK 21875
TRI-COUNTY carries $4.8M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
TRI-COUNTY vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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
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.
Where TRI-COUNTY diverges from peer averages
- Strongest edge vs 566 $2M–$10M peers is Loan-to-Share Ratio: +21.81 pp (85.41% vs 63.60%).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
TRI-COUNTY in New York
- In New York, health place is #135 of 272 on the same NCUA-ratio sort used nationally.
- Assets rank #230 of 272 inside New York ($4.8M reported).
- Membership ranks #227 of 272 among New York CUs with a reported count (714 members).
In-state ordinals use the live credit_unions table for NY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for TRI-COUNTY
TRI-COUNTY: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.1% from $4.8M (2025Q4) to $5.0M (2026Q1).
- Net-worth ratio shifted -0.30 pp (21.55% → 21.25%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 21.25% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 82/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 82.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 14.9 pts
- Return on Assets 15.0 pts
- Member Growth 7.0 pts
- Loan-to-Share Ratio 15.1 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 21.25% | +2.19 pp |
| Delinquency Rate | 1.67% | -0.13 pp |
| Return on Assets | 1.18% | +0.73 pp |
| Member Growth | -1.11% | - |
| Loan-to-Share Ratio | 85.41% | +21.81 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $5.0M | - |
| 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
Branch Locations (4)
TRI-COUNTY operates 4 offices across 3 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Tri County Federal Credit Union (Main Office) | Delevan, NY |
| CompuSource | Amherst, NY |
| Calavary Community Chapel | Delevan, NY |
| Krolick Storage | East Concord, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
More federally-insured credit unions based in New York, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for TRI-COUNTY, both outside New York so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (82/100 here).
Using this data
- TRI-COUNTY ranks #2,378 of 4,374 nationally on financial health and #135 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- New Covenant Dominion is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with New Covenant Dominion
- Rates and health both vary by institution, not just by state -- see how New York credit unions compare overall before assuming this one is typical. New York state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
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 the national health ranking (same basis as /rankings/healthiest), it sits at #2,378 of 4,374; by total assets it ranks #3,907 of 4,374 nationally (same basis as /rankings/largest); and #230 of 272 within New York. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 21.25% 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 21.25% 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.
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.