Tri State Rail Federal Credit Union Erie, Pennsylvania
Tri State Rail Federal Credit Union is a federal credit union headquartered in Erie, PA, established in 1949 (NCUA charter 6070), and it is regulated and insured by the NCUA. At Q2 2026 it reported 2,175 members and total assets of $19.9M (down 4.7% from Q2 2025), the 170th largest of 269 credit unions headquartered in Pennsylvania. Its net worth ratio was 19.98% at Q2 2026, in the well capitalized band.
Also written as Tri State Rail FCU · Trade name filed with the NCUA: Corry Area Schools Federal Credit Union
BankRegReports is independent of Tri State Rail Federal Credit Union and never asks for online banking logins or passwords.
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
- 6070
- Headquarters
- Erie, PA
- Established
- 1949
- Total assets, Q2 2026
- $19.9M
- Assets vs Q2 2025
- -4.7%
- Members, Q2 2026
- 2,175
- Net worth ratio, Q2 2026
- 19.98%
- Latest call report
- Q2 2026, NCUA 5300 · Tri State Rail Federal Credit Union call report
- Asset rank in state
- 170th of 269 in Pennsylvania
- Routing number
- 243386633
- Branches
- 3
It has 150 fewer members than on June 30, 2025 (-6.5%). Its net worth ratio was up 1.68 percentage points from 18.30% on June 30, 2025. Used vehicle loans are its largest loan category, $3.0M of $6.2M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.50% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 19.98% net worth ratio is above that band's 14.31% median.
Credit unions similar in size in Pennsylvania
Credit unions merged into Tri State Rail Federal Credit Union
Corry Area Schools Federal Credit Union (2022) · American Meter Employees Federal Credit Union (2014)
Frequently asked about Tri State Rail Federal Credit Union
How big is Tri State Rail Federal Credit Union?
At Q2 2026 it reported total assets of $19.9M and 2,175 members.
Where is Tri State Rail Federal Credit Union headquartered?
It is headquartered in Erie, PA, United States.
When was Tri State Rail Federal Credit Union founded?
It was established in 1949, per NCUA records.
Is Tri State Rail Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 6070): 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 State Rail Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Tri State Rail Federal Credit Union well capitalized?
Its net worth ratio was 19.98% 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 State Rail Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.50% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Tri State Rail Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 38.95% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Erie, PA 16501
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1949
- NCUA Charter #
- 6070
- RSSD ID
- 104681
- Members
- 2,175
- Potential members
- 13,786
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 2 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% | 19.98% | 14.31% | 76th top |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.76% | 0.72% | 52nd above |
| Return on equity Middle half of peers: 1.04% to 8.69% | 3.79% | 4.74% | 44th below |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 3.71% | 3.93% | 41st below |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 79.20% | 79.83% | 51st above |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.12% | 0.78% | over 90th top |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.50% | 0.86% | 68th above |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 3.83% | 4.70% | 14th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 38.95% | 58.92% | 21st position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$19.9M total assets against $20.9M; $15.9M total shares and deposits against $17.1M; $6.2M total loans against $6.9M.
$4.0M net worth against $3.8M.
19.98% net worth ratio against 18.30%.
38.95% loan-to-share ratio against 40.57%.
0.50% delinquency ratio against 1.34%.
0.76% return on assets against 0.59%; 3.79% return on equity against 3.20%.
3.71% net interest margin against 3.51%.
2,175 members against 2,325.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 19.98% | 0.76% | 0.50% | 38.95% |
| March 31, 2026 | 19.36% | 0.24% | 0.62% | 37.31% |
| December 31, 2025 | 19.68% | 0.84% | 0.58% | 39.45% |
| September 30, 2025 | 19.24% | 1.33% | 1.24% | 40.75% |
| June 30, 2025 | 18.30% | 0.59% | 1.34% | 40.57% |
| March 31, 2025 | 18.18% | 0.68% | 2.23% | 38.96% |
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.