Three Rivers Federal Credit Union is a federal credit union headquartered in Fort Wayne, Indiana, in business for about 91 years. At the end of Q2 2026 it reported $2.9B in total assets and $2.1B in member shares and deposits, with 11 offices across 2 states.
Three Rivers Federal Credit Union has a TellerScore of 78 out of 100 (strong) based on Q2 2026 data — higher than 84% of its 454 credit unions with $1 billion – $10 billion. Among 121 credit unions headquartered in Indiana, it ranks 40th. Earnings contributes the most (97/100, 1.92%); loan quality contributes the least (51/100, 1.47%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 2 points (76 → 78), mostly because the earnings component improved by 16 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 72 |
| Q3 2024 | 72 |
| Q4 2024 | 71 |
| Q1 2025 | 76 |
| Q2 2025 | 76 |
| Q3 2025 | 78 |
| Q4 2025 | 75 |
| Q1 2026 | 79 |
| Q2 2026 | 78 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 12.88% |
| Q3 2024 | 13.07% |
| Q4 2024 | 13.06% |
| Q1 2025 | 13.18% |
| Q2 2025 | 13.24% |
| Q3 2025 | 13.46% |
| Q4 2025 | 13.41% |
| Q1 2026 | 13.60% |
| Q2 2026 | 13.88% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 1.08% |
| Q3 2024 | 1.16% |
| Q4 2024 | 1.24% |
| Q1 2025 | 0.97% |
| Q2 2025 | 1.09% |
| Q3 2025 | 1.20% |
| Q4 2025 | 1.38% |
| Q1 2026 | 1.21% |
| Q2 2026 | 1.47% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.23% |
| Q3 2024 | 1.28% |
| Q4 2024 | 1.23% |
| Q1 2025 | 1.37% |
| Q2 2025 | 1.53% |
| Q3 2025 | 1.72% |
| Q4 2025 | 1.64% |
| Q1 2026 | 1.83% |
| Q2 2026 | 1.92% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 78 | $2.9B | 13.88% | 1.47% | 1.92% | 86.4% |
| Q1 2026 | 79 | $2.8B | 13.60% | 1.21% | 1.83% | 85.8% |
| Q4 2025 | 75 | $2.7B | 13.41% | 1.38% | 1.64% | 89.4% |
| Q3 2025 | 78 | $2.7B | 13.46% | 1.20% | 1.72% | 90.5% |
| Q2 2025 | 76 | $2.7B | 13.24% | 1.09% | 1.53% | 89.4% |
| Q1 2025 | 76 | $2.6B | 13.18% | 0.97% | 1.37% | 89.1% |
| Q4 2024 | 71 | $2.5B | 13.06% | 1.24% | 1.23% | 93.8% |
| Q3 2024 | 72 | $2.5B | 13.07% | 1.16% | 1.28% | 95.6% |
| Q2 2024 | 72 | $2.4B | 12.88% | 1.08% | 1.23% | 98.2% |
454 peers · $1 billion – $10 billion
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Indiana
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Elements Financial Federal Credit UnionCredit union Indianapolis, IN | 77 out of 100, Strong | $2.5B | 11.9% | 0.46% | vs |
| Centra Credit UnionCredit union Columbus, IN | 73 out of 100, Strong | $2.4B | 12.3% | 0.96% | vs |
| Forum Credit UnionCredit union Indianapolis, IN | 80 out of 100, Strong | $2.3B | 13.3% | 0.31% | vs |
| Indiana Members Credit UnionCredit union Indianapolis, IN | 74 out of 100, Strong | $3.6B | 10.6% | 0.49% | vs |
| Purdue Federal Credit UnionCredit union West Lafayette, IN | 75 out of 100, Strong | $2.1B | 11.2% | 0.17% | vs |
| Indiana University Credit UnionCredit union Bloomington, IN | 72 out of 100, Strong | $2.1B | 11.8% | 0.67% | vs |
Deposit insurance
Is my money safe at Three Rivers Federal Credit Union?
Yes. Three Rivers Federal Credit Union is a federally insured credit union (NCUA charter #159). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 16.3% of shares and deposits ($338.6M) are above the $250,000 NCUA insurance limit, above the peer median of 9%. Insured balances are protected regardless of the score.
The net worth ratio is 13.88%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
11 locations
Branches
Three Rivers Federal Credit Union lists 11 offices in 6 cities across 2 states. Most locations:
- Fort Wayne, IN (6)
- Bluffton, IN (1)
- Columbia City, IN (1)
- Kendallville, IN (1)
- New Haven, IN (1)
- Saint Marys, OH (1)
HMDA 2025
Mortgage lending
In 2025, Three Rivers Federal Credit Union reported 3,548 home-loan applications under HMDA (LEI 549300ZBBGOL4MIK0L71): 2,592 originated ($475,610,000 total), 532 denied, and 275 withdrawn or closed by the applicant. Its denial rate on decided applications was 16.3%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
CFPB TCCP survey · December 31, 2025
Credit card terms
| Card | Purchase APR | Annual fee | Late fee | Foreign fee |
|---|---|---|---|---|
| 3Rivers Mastercard Credit Card | 14.95% – 18.00% | $0 | — | 1.0% |
Identity & history
Profile
- Legal name
- Three Rivers Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 159
- RSSD ID
- 899576
- Primary regulator
- NCUA
- Established
- 1935
- Headquarters
- Po Box 2573, Fort Wayne, IN 46801
- Employees
- 497
Quick answers
Three Rivers Federal Credit Union: common questions
Is Three Rivers Federal Credit Union NCUA insured?
Yes. Three Rivers Federal Credit Union is a federally insured credit union (NCUA charter #159). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Three Rivers Federal Credit Union's TellerScore?
78 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Three Rivers Federal Credit Union have?
11 offices as of the latest NCUA data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Fort Wayne
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Sheboygan Area Credit UnionCredit union Sheboygan, WI | 97 out of 100, Very strong | $93.4M | 15.3% | 0.13% | vs |
| Sca Federal Credit UnionCredit union New Castle, PA | 94 out of 100, Very strong | $17.4M | 19.7% | 0.09% | vs |
| Fortress Federal Credit UnionCredit union Marion, IN | 88 out of 100, Very strong | $22.3M | 17.6% | 0.08% | vs |
| Generations Federal Credit UnionCredit union LA Porte, IN | 88 out of 100, Very strong | $12.2M | 14.4% | 0.59% | vs |
| Weatherhead C C Federal Credit UnionCredit union Columbia City, IN | 88 out of 100, Very strong | $25.0M | 13.7% | 0.95% | vs |
| Bloomington Municipal Credit UnionCredit union Bloomington, IL | 87 out of 100, Very strong | $45.7M | 13.5% | 0.10% | vs |