Federal credit union · ERIE, Pennsylvania · NCUA charter #6070
Tri State Rail
Health score 79/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $20.0M
- Total assets
- 2,224
- Members
- 19.4%
- Net-worth ratio
Tri State Rail scores 79/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $20.0M; members 2,224; net-worth ratio 19.36%; health rank #2,816 of 4,374; healthier than 33rd of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,816 of 4,374 health · 2025Q4Tri State Rail · health 79/100 · $20.0M · 2025Q4
- NCUSIF 79/100
- CAMELS 19.4%
- HEALTH 0.58%
- NW 0.70%
- DELQ $20.0M
- ROA 2,224
- ASSETS #2,816/4,374
- MEM Northwest Arkansas
- RANK 6070
Call Report peers
Tri State Rail in the assets neighbourhood
Tri State Rail's $20.0M assets sit next to Northwest Arkansas ($20.0M) 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 State Rail 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
79 33rd percentile higher than 33% 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 State Rail - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #6070. See our deposit-insurance coverage note.
Tri State Rail: Call Report deltas vs peers
- Strongest edge vs 1163 $10M–$50M peers is Net Worth Ratio: +4.50 pp (19.36% vs 14.86%).
- Largest lag: Loan-to-Share Ratio at 39.45% vs peer 59.80% (-20.35 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Tri State Rail in Pennsylvania
- In Pennsylvania, health place is #160 of 275 on the same NCUA-ratio sort used nationally.
- By total assets, Tri State Rail is #170 of 275 in Pennsylvania.
- Member book place in Pennsylvania: #159 of 275.
In-state ordinals use the live credit_unions table for PA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Tri State Rail: 2025Q4 → 2026Q1
Tri State Rail: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.9% from $20.0M (2025Q4) to $20.4M (2026Q1).
- Net-worth ratio shifted -0.32 pp (19.68% → 19.36%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 19.36% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 79/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 79.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.2 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 9.8 pts
Call Report ratios for Tri State Rail
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 19.36% | +4.50 pp |
| Delinquency Rate | 0.58% | -0.56 pp |
| Return on Assets | 0.70% | -0.01 pp |
| Member Growth | -5.40% | - |
| Loan-to-Share Ratio | 39.45% | -20.35 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).
Call Report history - Tri State Rail
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $20.4M | - |
| 2025Q4 | $20.0M | 2,224 |
| 2024Q4 | $20.7M | 2,351 |
| 2023Q4 | $20.9M | 2,478 |
Credit Union Details
- Charter Number
- 6070
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Pennsylvania
- City
- ERIE
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for Tri State Rail, spread across 3 cities.
| Office | City |
|---|---|
| Erie (Main Office) | Erie, PA |
| Corry | Corry, PA |
| East Pittsburgh | East Pittsburgh, PA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Pennsylvania
More federally-insured credit unions based in Pennsylvania, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for Tri State Rail, both outside Pennsylvania 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 ($20.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (79/100 here).
Using this data
- Tri State Rail ranks #2,816 of 4,374 nationally on financial health and #160 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Ppg & Associates is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Ppg & Associates
- Rates and health both vary by institution, not just by state -- see how Pennsylvania credit unions compare overall before assuming this one is typical. Pennsylvania 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 State Rail financially healthy?
Tri State Rail has a financial health score of 79/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,816 of 4,374; by total assets it ranks #3,155 of 4,374 nationally (same basis as /rankings/largest); and #170 of 275 within Pennsylvania. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 19.36% and delinquency rate of 0.58%.
How does Tri State Rail compare to other credit unions?
PlainCU's health composite puts Tri State Rail at 79/100, compared to a peer group average for $10M–$50M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 State Rail?
Tri State Rail 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 State Rail directly for the exact boundaries and application steps.
Is my money safe at Tri State Rail?
Federal credit unions like Tri State Rail 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 State Rail's net worth ratio of 19.36% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Tri State Rail offer compared to banks?
Credit unions like Tri State Rail 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 State Rail 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.