Credit Union Safety Analysis
Is Tri-Lakes Federal Credit Union Safe? Saranac Lake, New York
Based on its Q2 2026 NCUA 5300 call report, Tri-Lakes Federal Credit Union has a net worth ratio of 13.54%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.03%, 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-Lakes Federal Credit Union's net worth ratio is 13.54%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 13.54%
- Delinquency ratio (60+ days) (Q2 2026): 0.03%
- Return on assets (Q2 2026): 1.97%
- Loan-to-share ratio (Q2 2026): 49.51%
Tri-Lakes Federal Credit Union (NCUA charter 23198, established 1978) reported $28.7M in assets and 2,156 members for Q2 2026 from Saranac Lake, New York. It ranks 165 of 267 credit unions in New York by total assets. Total assets grew 5.1% from $27.3M on June 30, 2025. 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.
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: 13.19% for Q1 2026; 12.51% 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: 0.30% for Q1 2026; 0.42% 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: 1.00% for Q1 2026; 2.08% 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: 48.34% for Q1 2026; 52.89% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $4.6M
- New vehicle loans: $2.7M
- 1- to 4-family residential and other consumer real estate loans: $1.9M
- Other secured non-real estate loans and lines of credit: $1.8M
- Other unsecured loans and lines of credit: $1.1M
- Unsecured credit card loans: $154K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $28.7M | 13.54% | 0.03% | 1.97% | 49.51% |
| March 31, 2026 | $28.4M | 13.19% | 0.30% | 1.00% | 48.34% |
| December 31, 2025 | $27.0M | 13.60% | 0.78% | 2.04% | 52.30% |
| September 30, 2025 | $26.6M | 13.25% | 0.42% | 1.78% | 52.57% |
| June 30, 2025 | $27.3M | 12.51% | 0.42% | 2.08% | 52.89% |
| March 31, 2025 | $26.9M | 12.15% | 1.30% | 1.89% | 51.61% |
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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-Lakes Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 23198) · FFIEC NIC profile (RSSD 854687)
Frequently asked questions
Is Tri-Lakes Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Tri-Lakes Federal Credit Union's net worth ratio is 13.54%, above the 7% NCUA threshold for well capitalized.
Is Tri-Lakes Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Tri-Lakes Federal Credit Union is a federally insured credit union (NCUA charter 23198): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Tri-Lakes Federal Credit Union's key safety ratios?
For Q2 2026, Tri-Lakes Federal Credit Union reports net worth 13.54%, delinquency 0.03%, ROA 1.97%, loan-to-share 49.51%.
What happens to my money if Tri-Lakes Federal Credit Union fails?
For Q2 2026, Tri-Lakes Federal Credit Union held $24.6M in shares and deposits for 2,156 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.