Credit Union Safety Analysis
Is Tri State Rail Federal Credit Union Safe? Erie, Pennsylvania
Based on its Q2 2026 NCUA 5300 call report, Tri State Rail Federal Credit Union has a net worth ratio of 19.98%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.50%, 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 State Rail Federal Credit Union's net worth ratio is 19.98%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 19.98%
- Delinquency ratio (60+ days) (Q2 2026): 0.50%
- Return on assets (Q2 2026): 0.76%
- Loan-to-share ratio (Q2 2026): 38.95%
Tri State Rail Federal Credit Union (NCUA charter 6070, established 1949) reported $19.9M in assets and 2,175 members for Q2 2026 from Erie, Pennsylvania. It ranks 170 of 269 credit unions in Pennsylvania by total assets. Total assets fell 4.7% from $20.9M on June 30, 2025. 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.
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: 19.36% for Q1 2026; 18.30% 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: 0.62% for Q1 2026; 1.34% 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: 0.24% for Q1 2026; 0.59% 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: 37.31% for Q1 2026; 40.57% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $3.0M
- New vehicle loans: $1.6M
- 1- to 4-family residential and other consumer real estate loans: $769K
- Other unsecured loans and lines of credit: $385K
- Unsecured credit card loans: $334K
- Other secured non-real estate loans and lines of credit: $86K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $19.9M | 19.98% | 0.50% | 0.76% | 38.95% |
| March 31, 2026 | $20.4M | 19.36% | 0.62% | 0.24% | 37.31% |
| December 31, 2025 | $20.0M | 19.68% | 0.58% | 0.84% | 39.45% |
| September 30, 2025 | $20.3M | 19.24% | 1.24% | 1.33% | 40.75% |
| June 30, 2025 | $20.9M | 18.30% | 1.34% | 0.59% | 40.57% |
| March 31, 2025 | $20.9M | 18.18% | 2.23% | 0.68% | 38.96% |
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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 State Rail Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 6070) · FFIEC NIC profile (RSSD 104681)
Frequently asked questions
Is Tri State Rail Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Tri State Rail Federal Credit Union's net worth ratio is 19.98%, above the 7% NCUA threshold for well capitalized.
Is Tri State Rail Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Tri State Rail Federal Credit Union is a federally insured credit union (NCUA charter 6070): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Tri State Rail Federal Credit Union's key safety ratios?
For Q2 2026, Tri State Rail Federal Credit Union reports net worth 19.98%, delinquency 0.50%, ROA 0.76%, loan-to-share 38.95%.
What happens to my money if Tri State Rail Federal Credit Union fails?
For Q2 2026, Tri State Rail Federal Credit Union held $15.9M in shares and deposits for 2,175 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.