TellerScore

Trailnorth Federal Credit Union is a federal credit union headquartered in Ticonderoga, New York, in business for about 72 years. At the end of Q2 2026 it reported $179.6M in total assets and $164.8M in member shares and deposits, with 2 offices.

Trailnorth Federal Credit Union has a TellerScore of 66 out of 100 (moderate) based on Q2 2026 data — higher than only 37% of its 1,341 credit unions with $100 million – $1 billion. Among 268 credit unions headquartered in New York, it ranks 165th. Funding & liquidity contributes the most (100/100, 55% loans-to-deposits, 2% uninsured); capital cushion contributes the least (48/100, 9.78%).

TellerScore · Q2 2026

Scorecard

Capital cushion48/100
Net worth ratio: 9.78%
Loan quality72/100
Loans 60+ days delinquent ÷ total loans: 0.84%
Earnings49/100
Return on assets (annualized): 0.73%
Funding & liquidity100/100
Loans ÷ shares: 55.5% · 1.6% uninsured
Problem-loan coverage91/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.36%

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 (64 → 66), mostly because the capital cushion component improved by 4 points.

TellerScore
576267Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202457
Q3 202460
Q4 202462
Q1 202565
Q2 202564
Q3 202567
Q4 202563
Q1 202667
Q2 202666
Net worth ratio
7.00%8.39%9.78%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.18%
Q3 20249.09%
Q4 20249.37%
Q1 20259.38%
Q2 20259.44%
Q3 20259.49%
Q4 20259.58%
Q1 20269.73%
Q2 20269.78%
Delinquent loans (60+ days)
0.52%0.88%1.24%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.24%
Q3 20241.00%
Q4 20240.78%
Q1 20250.52%
Q2 20250.89%
Q3 20250.71%
Q4 20251.16%
Q1 20260.65%
Q2 20260.84%
Return on assets
0.37%0.58%0.80%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.37%
Q3 20240.38%
Q4 20240.37%
Q1 20250.39%
Q2 20250.63%
Q3 20250.79%
Q4 20250.80%
Q1 20260.61%
Q2 20260.73%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202666$179.6M9.78%0.84%0.73%55.5%
Q1 202667$176.5M9.73%0.65%0.61%57.6%
Q4 202563$176.4M9.58%1.16%0.80%57.2%
Q3 202567$175.5M9.49%0.71%0.79%58.1%
Q2 202564$171.0M9.44%0.89%0.63%60.7%
Q1 202565$168.1M9.38%0.52%0.39%62.3%
Q4 202462$166.6M9.37%0.78%0.37%63.1%
Q3 202460$171.5M9.09%1.00%0.38%62.6%
Q2 202457$168.1M9.18%1.24%0.37%63.2%

1,341 peers · $100 million – $1 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).

Capital ratio9.78%
25th
Problem loans0.84%
40th
Net charge-offs1.01%
9th
Return on assets0.73%
49th
Loans to deposits55.5%
84th
Uninsured deposits1.6%
93rd
Loan-loss reserves0.00%
50th
Texas ratio4.4%
47th

Similar-size credit unions in New York

InstitutionScoreAssetsCapitalProblem loansCompare
Ulster Federal Credit UnionCredit union Kingston, NY67 out of 100, Moderate$179.0M10.3%0.81%vs
Genesee Valley Federal Credit UnionCredit union Geneseo, NY98 out of 100, Very strong$175.9M16.6%0.19%vs
First Choice Financial Federal Credit UnionCredit union Gloversville, NY72 out of 100, Strong$183.7M13.1%1.70%vs
Sjp Federal Credit UnionCredit union Buffalo, NY69 out of 100, Moderate$187.7M11.3%0.93%vs
Tonawanda Valley Federal Credit UnionCredit union Batavia, NY82 out of 100, Strong$170.7M11.1%0.19%vs
Greater Woodlawn Federal Credit UnionCredit union Blasdell, NY96 out of 100, Very strong$168.4M23.9%0.12%vs

Deposit insurance

Is my money safe at Trailnorth Federal Credit Union?

Yes. Trailnorth Federal Credit Union is a federally insured credit union (NCUA charter #9219). 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 1.6% of shares and deposits ($2.6M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 9.78%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Trailnorth Federal Credit Union lists 2 offices in 2 cities. Most locations:

  • Elizabethtown, NY (1)
  • Ticonderoga, NY (1)

All branch addresses and map

Identity & history

Profile

Legal name
Trailnorth Federal Credit Union
Type
Federal credit union
NCUA charter #
9219
RSSD ID
375780
Primary regulator
NCUA
Established
1954
Headquarters
1172 NYS Route 9N, Ticonderoga, NY 12883
Employees
37

Quick answers

Trailnorth Federal Credit Union: common questions

Is Trailnorth Federal Credit Union NCUA insured?

Yes. Trailnorth Federal Credit Union is a federally insured credit union (NCUA charter #9219). 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 Trailnorth Federal Credit Union's TellerScore?

66 out of 100 (Moderate), 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 Trailnorth Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Ticonderoga

InstitutionScoreAssetsCapitalProblem loansCompare
The National Bank of MiddleburyBank Middlebury, VT74 out of 100, Strong$553.5M9.9%0.15%vs
Champlain National BankBank Elizabethtown, NY71 out of 100, Strong$497.1M10.9%0.25%vs
Heritage Family Federal Credit UnionCredit union Rutland, VT71 out of 100, Strong$869.8M12.1%0.86%vs
Vermont Federal Credit UnionCredit union So Burlington, VT69 out of 100, Moderate$1.1B10.8%0.47%vs
Arrow Bank National AssociationBank Glens Falls, NY66 out of 100, Moderate$4.5B9.3%0.24%vs
TD Bank, National AssociationBank Wilmington, DE63 out of 100, Moderate$342.8B10.3%1.11%vs