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
- CAMELS 87/100
- HEALTH 13.2%
- NW 0.78%
- DELQ 1.91%
- ROA $27.0M
- ASSETS 2,159
- MEM #1,630/4,374
- RANK Norfolk Fire Department
- PHOTO 23198
Call Report peers
TRI-LAKES in the assets neighbourhood
TRI-LAKES's $27.0M assets sit next to Norfolk Fire Department ($27.0M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
TRI-LAKES 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
87 Top 40% higher than 60% 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-LAKES - Share Insurance Coverage
Charter #23198's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
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).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
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-LAKES
TRI-LAKES: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +5.1% from $27.0M (2025Q4) to $28.4M (2026Q1).
- Net-worth ratio shifted -0.41 pp (13.60% → 13.19%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 87.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
Two NCUA Call Report peer sets for TRI-LAKES, both outside New York so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($27.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (87/100 here).
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
- 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-LAKES financially healthy?
TRI-LAKES scores 87/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,630 of 4,374; by total assets it ranks #2,938 of 4,374 nationally (same basis as /rankings/largest); and #166 of 272 within New York. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 13.19% net worth ratio and a 0.78% delinquency rate.
How does TRI-LAKES compare to other credit unions?
Five weighted metrics from NCUA filings produce TRI-LAKES's 87/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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-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?
Federal credit unions like TRI-LAKES 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-LAKES's net worth ratio of 13.19% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does TRI-LAKES offer compared to banks?
Credit unions like TRI-LAKES 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-LAKES 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.