Credit Union Safety Analysis
Is Tri-County Federal Credit Union Safe? Delevan, New York
Based on its Q2 2026 NCUA 5300 call report, Tri-County Federal Credit Union has a net worth ratio of 21.23%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.54%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Tri-County Federal Credit Union's net worth ratio is 21.23%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 21.23%
- Delinquency ratio (60+ days) (Q2 2026): 1.54%
- Return on assets (Q2 2026): 0.48%
- Loan-to-share ratio (Q2 2026): 78.85%
Tri-County Federal Credit Union (NCUA charter 21875, established 1975) reported $5.0M in assets and 704 members for Q2 2026 from Delevan, New York. It ranks 227 of 267 credit unions in New York by total assets. Total assets fell 0.6% from $5.0M on June 30, 2025. It has 12 fewer members than on June 30, 2025 (-1.7%). Its net worth ratio was up 0.91 percentage points from 20.32% on June 30, 2025. Used vehicle loans are its largest loan category, $1.6M of $3.1M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.54% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 21.25% for Q1 2026; 20.32% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.91% for Q1 2026; 1.42% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 1.42% for Q1 2026; 1.49% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 81.27% for Q1 2026; 83.91% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $1.6M
- New vehicle loans: $1.2M
- Other unsecured loans and lines of credit: $269K
- 1- to 4-family residential and other consumer real estate loans: $41K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $5.0M | 21.23% | 1.54% | 0.48% | 78.85% |
| March 31, 2026 | $5.0M | 21.25% | 0.91% | 1.42% | 81.27% |
| December 31, 2025 | $4.8M | 21.55% | 1.67% | 0.23% | 85.41% |
| September 30, 2025 | $4.8M | 21.40% | 2.59% | 1.03% | 87.29% |
| June 30, 2025 | $5.0M | 20.32% | 1.42% | 1.49% | 83.91% |
| March 31, 2025 | $4.9M | 20.49% | 1.09% | 1.17% | 87.76% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Tri-County Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 21875) · FFIEC NIC profile (RSSD 303484)
Frequently asked questions
Is Tri-County Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Tri-County Federal Credit Union's net worth ratio is 21.23%, above the 7% NCUA threshold for well capitalized.
Is Tri-County Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Tri-County Federal Credit Union is a federally insured credit union (NCUA charter 21875): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Tri-County Federal Credit Union's key safety ratios?
For Q2 2026, Tri-County Federal Credit Union reports net worth 21.23%, delinquency 1.54%, ROA 0.48%, loan-to-share 78.85%.
What happens to my money if Tri-County Federal Credit Union fails?
For Q2 2026, Tri-County Federal Credit Union held $3.9M in shares and deposits for 704 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.