Tri-Lakes Federal Credit Union Saranac Lake, New York
Tri-Lakes Federal Credit Union is a federal credit union headquartered in Saranac Lake, NY, established in 1978 (NCUA charter 23198), and it is regulated and insured by the NCUA. At Q2 2026 it reported 2,156 members and total assets of $28.7M (up 5.1% from Q2 2025), the 165th largest of 267 credit unions headquartered in New York. Its net worth ratio was 13.54% at Q2 2026, in the well capitalized band.
Also written as Tri-Lakes FCU
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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
- 23198
- Headquarters
- Saranac Lake, NY
- Established
- 1978
- Total assets, Q2 2026
- $28.7M
- Assets vs Q2 2025
- +5.1%
- Members, Q2 2026
- 2,156
- Net worth ratio, Q2 2026
- 13.54%
- Latest call report
- Q2 2026, NCUA 5300 · Tri-Lakes Federal Credit Union call report
- Asset rank in state
- 165th of 267 in New York
- Routing number
- 221382361
- Branches
- 2
It has 9 fewer members than on June 30, 2025 (-0.4%). Its net worth ratio was up 1.03 percentage points from 12.51% on June 30, 2025. Used vehicle loans are its largest loan category, $4.6M of $12.2M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.03% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 13.54% net worth ratio is below that band's 14.31% median.
Credit unions similar in size in New York
Frequently asked about Tri-Lakes Federal Credit Union
How big is Tri-Lakes Federal Credit Union?
At Q2 2026 it reported total assets of $28.7M and 2,156 members.
Where is Tri-Lakes Federal Credit Union headquartered?
It is headquartered in Saranac Lake, NY, United States.
When was Tri-Lakes Federal Credit Union founded?
It was established in 1978, per NCUA records.
Is Tri-Lakes Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 23198): 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 Tri-Lakes Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Tri-Lakes Federal Credit Union well capitalized?
Its net worth ratio was 13.54% 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 Tri-Lakes Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.03% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Tri-Lakes Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 49.51% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Saranac Lake, NY 12983
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1978
- NCUA Charter #
- 23198
- RSSD ID
- 854687
- Members
- 2,156
- Potential members
- 13,400
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 4 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 13.54% | 14.31% | 44th below |
| Return on assets Middle half of peers: 0.16% to 1.30% | 1.97% | 0.72% | over 90th top |
| Return on equity Middle half of peers: 1.04% to 8.69% | 14.52% | 4.74% | over 90th top |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 4.40% | 3.93% | 69th above |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 62.39% | 79.83% | 83rd top |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.41% | 0.78% | 72nd above |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.03% | 0.86% | over 90th top |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.81% | 4.70% | 55th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 49.51% | 58.92% | 36th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$28.7M total assets against $27.3M; $24.6M total shares and deposits against $23.6M; $12.2M total loans against $12.5M.
$3.9M net worth against $3.4M.
13.54% net worth ratio against 12.51%.
49.51% loan-to-share ratio against 52.89%.
0.03% delinquency ratio against 0.42%.
1.97% return on assets against 2.08%; 14.52% return on equity against 16.67%.
4.40% net interest margin against 4.43%.
2,156 members against 2,165.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 13.54% | 1.97% | 0.03% | 49.51% |
| March 31, 2026 | 13.19% | 1.00% | 0.30% | 48.34% |
| December 31, 2025 | 13.60% | 2.04% | 0.78% | 52.30% |
| September 30, 2025 | 13.25% | 1.78% | 0.42% | 52.57% |
| June 30, 2025 | 12.51% | 2.08% | 0.42% | 52.89% |
| March 31, 2025 | 12.15% | 1.89% | 1.30% | 51.61% |
Scroll sideways to see every column.
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.