Federal credit union · SARANAC LAKE, New York · NCUA charter #23198
TRI-LAKES
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $27.0M
- Total assets
- 2,159
- Members
- 13.2%
- Net-worth ratio
TRI-LAKES scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $27.0M; members 2,159; net-worth ratio 13.19%; health rank #1,630 of 4,374; healthier than 60th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,630 of 4,374 health · 2025Q4TRI-LAKES · health 87/100 · $27.0M · 2025Q4
Call Report peers
TRI-LAKES in the assets neighbourhood
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TRI-LAKES vs every NCUA-scored credit union
TRI-LAKES sits in the busiest band, 85-89, alongside 857 other credit unions.
87 Top 40% higher than 60% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
TRI-LAKES: Call Report deltas vs peers
- Return on Assets leads the peer set - 1.91% here, 0.70% peer average (+1.21 pp).
- Largest lag: Loan-to-Share Ratio at 52.30% vs peer 59.80% (-7.50 pp).
Where TRI-LAKES sits in New York
- In New York, health place is #92 of 272 on the same NCUA-ratio sort used nationally.
- By total assets, TRI-LAKES is #166 of 272 in New York.
- New York membership ordinal: #169 of 272.
- One place up in New York, BOULEVARD (#91) ties at 87/100; one place down, Mohawk Valley (#93) ties at 87/100.
Quarter path for TRI-LAKES
TRI-LAKES: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +5.1% from $27.0M (2025Q4) to $28.4M (2026Q1).
- Net-worth ratio shifted -0.41 pp (13.60% → 13.19%).
13.19% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 87/100 score is built
TRI-LAKES gives up 13 points in total. Member Growth costs the most, 5.8 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.2 pts
- Return on Assets 15.0 pts
- Member Growth 9.2 pts
- Loan-to-Share Ratio 10.6 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.19% | -1.67 pp |
| Delinquency Rate | 0.78% | -0.37 pp |
| Return on Assets | 1.91% | +1.21 pp |
| Member Growth | 0.19% | - |
| Loan-to-Share Ratio | 52.30% | -7.50 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
TRI-LAKES filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $28.4M | - |
| 2025Q4 | $27.0M | 2,159 |
| 2024Q4 | $26.1M | 2,155 |
| 2023Q4 | $26.4M | 2,171 |
Credit Union Details
- Charter Number
- 23198
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- New York
- City
- SARANAC LAKE
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, TRI-LAKES runs 2 offices in 2 different cities.
| Office | City |
|---|---|
| Saranac Lake (Main Office) | Saranac Lake, NY |
| Lake Placid | Lake Placid, 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.
TRI-LAKES nationwide neighbourhoods
Using this data
- TRI-LAKES ranks #1,630 of 4,374 nationally on financial health and #92 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Olean Teachers' and Postal is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Olean Teachers' and Postal
Frequently Asked Questions
Is TRI-LAKES financially healthy?
On its 2025Q4 NCUA 5300 filing, TRI-LAKES scores 87/100 (Excellent), with a 13.19% net worth ratio and 0.78% of loans delinquent. It ranks #1,630 of 4,374 nationally on health and #92 of 272 in New York.
How does TRI-LAKES compare to other credit unions?
TRI-LAKES scores 87/100, higher than 60% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is return on assets (1.91% vs 0.70%). Its widest shortfall is loan-to-share ratio (52.30% vs 59.80%).
How can I join TRI-LAKES?
TRI-LAKES 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-LAKES directly for the exact boundaries and application steps.
Is my money safe at TRI-LAKES?
TRI-LAKES 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. TRI-LAKES's net worth ratio of 13.19% 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.