Federal credit union · Massena, New York · NCUA charter #20290
Twin Rivers
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $38.4M
- Total assets
- 2,598
- Members
- 12.8%
- Net-worth ratio
Twin Rivers scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $38.4M; members 2,598; net-worth ratio 12.82%; health rank #2,585 of 4,374; healthier than 39th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,585 of 4,374 health · 2025Q4Twin Rivers · health 81/100 · $38.4M · 2025Q4
- CHARTER 81/100
- NCUSIF 12.8%
- CAMELS 0.75%
- HEALTH 0.52%
- NW $38.4M
- DELQ 2,598
- ROA #2,585/4,374
- ASSETS ASPIRE
- MEM 20290
Call Report peers
Twin Rivers in the assets neighbourhood
Twin Rivers's $38.4M assets sit next to ASPIRE ($38.4M) 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.
Twin Rivers 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
81 39th percentile higher than 39% 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
Twin Rivers - Share Insurance Coverage
Charter #20290'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.
Twin Rivers: Call Report deltas vs peers
- Delinquency Rate leads the peer set - 0.75% here, 1.15% peer average (-0.40 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -15.58 pp (44.22% vs 59.80%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Twin Rivers sits in New York
- New York health ordinal: #146 of 272.
- Assets rank #147 of 272 inside New York ($38.4M reported).
- New York membership ordinal: #154 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.
Twin Rivers Call Report trajectory
Twin Rivers: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.8% from $38.4M (2025Q4) to $39.4M (2026Q1).
- Net-worth ratio shifted -0.11 pp (12.93% → 12.82%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 12.82% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 81/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 81.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.5 pts
- Return on Assets 15.0 pts
- Member Growth 3.8 pts
- Loan-to-Share Ratio 9.7 pts
Twin Rivers vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.82% | -2.04 pp |
| Delinquency Rate | 0.75% | -0.40 pp |
| Return on Assets | 0.52% | -0.19 pp |
| Member Growth | -2.91% | - |
| Loan-to-Share Ratio | 44.22% | -15.58 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).
Twin Rivers quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $39.4M | - |
| 2025Q4 | $38.4M | 2,598 |
| 2024Q4 | $36.8M | 2,676 |
| 2023Q4 | $37.1M | 2,723 |
Credit Union Details
- Charter Number
- 20290
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- New York
- City
- Massena
- Data Quarter
- 2025Q4
Branch Locations (2)
Twin Rivers operates 2 offices across 2 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| TRFCU (Main Office) | Massena, NY |
| Fiserv - Portico | Frisco, TX |
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.
Cross-state Call Report peers for Twin Rivers
Twin Rivers's nationwide photo peers by assets and by health score, excluding New York charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($38.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (81/100 here).
Using this data
- Twin Rivers ranks #2,585 of 4,374 nationally on financial health and #146 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Niagara Regional is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Niagara Regional
- 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 Twin Rivers financially healthy?
Twin Rivers scores 81/100 (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 #2,585 of 4,374; by total assets it ranks #2,644 of 4,374 nationally (same basis as /rankings/largest); and #147 of 272 within New York. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 12.82% net worth ratio and a 0.75% delinquency rate.
How does Twin Rivers compare to other credit unions?
PlainCU's health composite puts Twin Rivers at 81/100, 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 Twin Rivers?
Twin Rivers 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 Twin Rivers directly for the exact boundaries and application steps.
Is my money safe at Twin Rivers?
Federal credit unions like Twin Rivers 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. Twin Rivers's net worth ratio of 12.82% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Twin Rivers offer compared to banks?
Credit unions like Twin Rivers 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 Twin Rivers 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.