TellerScore

Headquartered in Saranac Lake, New York, Tri-Lakes Federal Credit Union is a federal credit union with $28.7M in total assets and $24.6M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1978.

Tri-Lakes Federal Credit Union has a TellerScore of 91 out of 100 (very strong) based on Q2 2026 data — higher than 90% of its 2,479 credit unions with under $100 million in assets. Among 268 credit unions headquartered in New York, it ranks 22nd. Funding & liquidity contributes the most (100/100, 50% loans-to-deposits, 2% uninsured); earnings contributes the least (79/100, 1.48%).

TellerScore · Q2 2026

Scorecard

Capital cushion85/100
Net worth ratio: 13.54%
Loan quality99/100
Loans 60+ days delinquent ÷ total loans: 0.03%
Earnings79/100
Return on assets (annualized): 1.48%
Funding & liquidity100/100
Loans ÷ shares: 49.5% · 1.6% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.11%

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 (89 → 91), mostly because the earnings component weakened by 20 points.

TellerScore
798591Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202486
Q3 202489
Q4 202489
Q1 202579
Q2 202589
Q3 202591
Q4 202588
Q1 202684
Q2 202691
Net worth ratio
7.00%10.30%13.60%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.85%
Q3 202411.29%
Q4 202412.02%
Q1 202512.15%
Q2 202512.51%
Q3 202513.25%
Q4 202513.60%
Q1 202613.19%
Q2 202613.54%
Delinquent loans (60+ days)
0.00%0.65%1.30%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.05%
Q3 20240.00%
Q4 20240.21%
Q1 20251.30%
Q2 20250.42%
Q3 20250.42%
Q4 20250.78%
Q1 20260.30%
Q2 20260.03%
Return on assets
1.00%1.49%1.98%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.84%
Q3 20241.97%
Q4 20241.98%
Q1 20251.89%
Q2 20251.97%
Q3 20251.94%
Q4 20251.95%
Q1 20261.00%
Q2 20261.48%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202691$28.7M13.54%0.03%1.48%49.5%
Q1 202684$28.4M13.19%0.30%1.00%48.3%
Q4 202588$27.0M13.60%0.78%1.95%52.3%
Q3 202591$26.6M13.25%0.42%1.94%52.6%
Q2 202589$27.3M12.51%0.42%1.97%52.9%
Q1 202579$26.9M12.15%1.30%1.89%51.6%
Q4 202489$26.1M12.02%0.21%1.98%55.9%
Q3 202489$26.8M11.29%0.00%1.97%55.2%
Q2 202486$26.4M10.85%0.05%1.84%55.2%

2,479 peers · Under $100 million in assets

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 ratio13.54%
43rd
Problem loans0.03%
85th
Net charge-offs0.69%
21st
Return on assets1.48%
84th
Loans to deposits49.5%
65th
Uninsured deposits1.6%
48th
Loan-loss reserves0.00%
37th
Texas ratio0.1%
84th

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Deposit insurance

Is my money safe at Tri-Lakes Federal Credit Union?

Yes. Tri-Lakes Federal Credit Union is a federally insured credit union (NCUA charter #23198). 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 ($391K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 13.54%, well 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

Tri-Lakes Federal Credit Union lists 2 offices in 2 cities. Most locations:

  • Lake Placid, NY (1)
  • Saranac Lake, NY (1)

All branch addresses and map

Identity & history

Profile

Legal name
Tri-Lakes Federal Credit Union
Type
Federal credit union
NCUA charter #
23198
RSSD ID
854687
Primary regulator
NCUA
Established
1978
Headquarters
197 Broadway, Saranac Lake, NY 12983
Employees
8

Quick answers

Tri-Lakes Federal Credit Union: common questions

Is Tri-Lakes Federal Credit Union NCUA insured?

Yes. Tri-Lakes Federal Credit Union is a federally insured credit union (NCUA charter #23198). 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 Tri-Lakes Federal Credit Union's TellerScore?

91 out of 100 (Very 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 Tri-Lakes Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Saranac Lake

InstitutionScoreAssetsCapitalProblem loansCompare
The North Country Savings BankBank Canton, NY78 out of 100, Strong$373.5M14.5%0.82%vs
Champlain National BankBank Elizabethtown, NY71 out of 100, Strong$497.1M10.9%0.25%vs
Arrow Bank National AssociationBank Glens Falls, NY66 out of 100, Moderate$4.5B9.3%0.24%vs
NBT Bank, National AssociationBank Norwich, NY64 out of 100, Moderate$16.1B9.5%0.55%vs
Community Bank, National AssociationBank Canton, NY62 out of 100, Moderate$17.4B7.9%0.50%vs
Americu Credit UnionCredit union Rome, NY48 out of 100, Below average$3.0B9.6%1.89%vs