Three Rivers Federal Credit Union Fort Wayne, Indiana
Three Rivers Federal Credit Union is a federal credit union headquartered in Fort Wayne, IN, established in 1935 (NCUA charter 159), and it is regulated and insured by the NCUA. At Q2 2026 it reported 139,191 members and total assets of $2.93B (up 8.0% from Q2 2025), the 4th largest of 118 credit unions headquartered in Indiana. Its net worth ratio was 13.88% at Q2 2026, in the well capitalized band.
Also written as Three Rivers FCU · Trade name filed with the NCUA: 3Rivers
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 159
- Headquarters
- Fort Wayne, IN
- Established
- 1935
- Total assets, Q2 2026
- $2.93B
- Assets vs Q2 2025
- +8.0%
- Members, Q2 2026
- 139,191
- Net worth ratio, Q2 2026
- 13.88%
- Latest call report
- Q2 2026, NCUA 5300 · Three Rivers Federal Credit Union call report
- Asset rank in state
- 4th of 118 in Indiana
- Routing number
- 274973222
- Branches
- 25
It has 2,963 more members than on June 30, 2025 (+2.2%). Its net worth ratio was up 0.64 percentage points from 13.24% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $1.01B of $1.80B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.47% is above the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 13.88% net worth ratio is above that band's 10.89% median.
Frequently asked about Three Rivers Federal Credit Union
How big is Three Rivers Federal Credit Union?
At Q2 2026 it reported total assets of $2.93B and 139,191 members.
Where is Three Rivers Federal Credit Union headquartered?
It is headquartered in Fort Wayne, IN, United States.
When was Three Rivers Federal Credit Union founded?
It was established in 1935, per NCUA records.
Is Three Rivers Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 159): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Three Rivers Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Three Rivers Federal Credit Union well capitalized?
Its net worth ratio was 13.88% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Three Rivers Federal Credit Union's delinquency ratio?
Its delinquency ratio was 1.47% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Three Rivers Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 86.37% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Fort Wayne, IN 46825
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1935
- NCUA Charter #
- 159
- RSSD ID
- 899576
- Members
- 139,191
- Potential members
- 826,727
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 5 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 13.88% | 10.89% | 85th top |
| Return on assets Middle half of peers: 0.59% to 1.25% | 2.08% | 0.89% | over 90th top |
| Return on equity Middle half of peers: 5.37% to 10.92% | 15.70% | 8.07% | over 90th top |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 3.84% | 3.45% | 77th top |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 56.01% | 70.59% | over 90th top |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 1.61% | 1.68% | 56th above |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 1.47% | 0.68% | 11th bottom |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 5.45% | 5.12% | 75th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 86.37% | 88.03% | 46th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$2.93B total assets against $2.71B; $2.08B total shares and deposits against $2.03B; $1.80B total loans against $1.81B.
$388.3M net worth against $339.0M.
13.88% net worth ratio against 13.24%.
86.37% loan-to-share ratio against 89.43%.
1.47% delinquency ratio against 1.09%.
2.08% return on assets against 1.76%; 15.70% return on equity against 14.11%.
3.84% net interest margin against 3.47%.
139,191 members against 136,228.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 13.88% | 2.08% | 1.47% | 86.37% |
| March 31, 2026 | 13.60% | 1.83% | 1.21% | 85.84% |
| December 31, 2025 | 13.41% | 1.44% | 1.38% | 89.38% |
| September 30, 2025 | 13.46% | 2.09% | 1.20% | 90.50% |
| June 30, 2025 | 13.24% | 1.76% | 1.09% | 89.43% |
| March 31, 2025 | 13.18% | 1.37% | 0.97% | 89.14% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 1% of the loan book, above the typical credit-union range. Worth watching the trend in coming quarters. BankRegReports early-warning band.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.