TellerScore

Headquartered in Erie, Pennsylvania, Tri State Rail Federal Credit Union is a federal credit union with $19.9M in total assets and $15.9M in member shares and deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1949.

Tri State Rail Federal Credit Union has a TellerScore of 84 out of 100 (strong) based on Q2 2026 data — higher than 75% of its 2,479 credit unions with under $100 million in assets. Among 269 credit unions headquartered in Pennsylvania, it ranks 71st. Capital cushion contributes the most (100/100, 19.98%); earnings contributes the least (40/100, 0.50%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 19.98%
Loan quality83/100
Loans 60+ days delinquent ÷ total loans: 0.50%
Earnings40/100
Return on assets (annualized): 0.50%
Funding & liquidity100/100
Loans ÷ shares: 38.9% · 0.0% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.97%

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 7 points (77 → 84), mostly because the loan quality component improved by 28 points.

TellerScore
707886Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202476
Q3 202473
Q4 202474
Q1 202570
Q2 202577
Q3 202580
Q4 202586
Q1 202680
Q2 202684
Net worth ratio
7.00%13.49%19.98%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202417.80%
Q3 202418.38%
Q4 202418.21%
Q1 202518.18%
Q2 202518.30%
Q3 202519.24%
Q4 202519.68%
Q1 202619.36%
Q2 202619.98%
Delinquent loans (60+ days)
0.50%1.36%2.23%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20241.40%
Q3 20241.79%
Q4 20241.78%
Q1 20252.23%
Q2 20251.34%
Q3 20251.24%
Q4 20250.58%
Q1 20260.62%
Q2 20260.50%
Return on assets
0.24%0.56%0.88%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.51%
Q3 20240.65%
Q4 20240.68%
Q1 20250.68%
Q2 20250.63%
Q3 20250.88%
Q4 20250.88%
Q1 20260.24%
Q2 20260.50%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202684$19.9M19.98%0.50%0.50%38.9%
Q1 202680$20.4M19.36%0.62%0.24%37.3%
Q4 202586$20.0M19.68%0.58%0.88%39.4%
Q3 202580$20.3M19.24%1.24%0.88%40.7%
Q2 202577$20.9M18.30%1.34%0.63%40.6%
Q1 202570$20.9M18.18%2.23%0.68%39.0%
Q4 202474$20.7M18.21%1.78%0.68%42.4%
Q3 202473$20.3M18.38%1.79%0.65%44.9%
Q2 202476$20.7M17.80%1.40%0.51%43.7%

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 ratio19.98%
77th
Problem loans0.50%
59th
Net charge-offs-0.17%
95th
Return on assets0.50%
42nd
Loans to deposits38.9%
80th
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio1.0%
66th

Similar-size credit unions in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
Fayette Federal Employees Federal Credit UnionCredit union Uniontown, PA91 out of 100, Very strong$19.8M14.3%0.41%vs
Locomotive & Control Employees Federal Credit UnionCredit union Erie, PA91 out of 100, Very strong$20.3M26.1%0.71%vs
Ppg & Associates Federal Credit UnionCredit union Creighton, PA82 out of 100, Strong$19.6M16.7%0.42%vs
Alleg-Kiski Postal Federal Credit UnionCredit union New Kensington, PA78 out of 100, Strong$19.5M19.0%1.84%vs
Altoona Area Employees Federal Credit UnionCredit union Altoona, PA84 out of 100, Strong$19.4M11.5%0.00%vs
Cal-Ed Federal Credit UnionCredit union California, PA55 out of 100, Moderate$19.2M14.1%3.50%vs

Deposit insurance

Is my money safe at Tri State Rail Federal Credit Union?

Yes. Tri State Rail Federal Credit Union is a federally insured credit union (NCUA charter #6070). 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 0.0% of shares and deposits ($0) 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 19.98%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Tri State Rail Federal Credit Union lists 3 offices in 3 cities. Most locations:

  • Corry, PA (1)
  • East Pittsburgh, PA (1)
  • Erie, PA (1)

All branch addresses and map

Identity & history

Profile

Legal name
Tri State Rail Federal Credit Union
Type
Federal credit union
NCUA charter #
6070
RSSD ID
104681
Primary regulator
NCUA
Established
1949
Headquarters
110 W 13th St, Erie, PA 16501
Employees
10

Quick answers

Tri State Rail Federal Credit Union: common questions

Is Tri State Rail Federal Credit Union NCUA insured?

Yes. Tri State Rail Federal Credit Union is a federally insured credit union (NCUA charter #6070). 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 State Rail Federal Credit Union's TellerScore?

84 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 Tri State Rail Federal Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Erie

InstitutionScoreAssetsCapitalProblem loansCompare
Locomotive & Control Employees Federal Credit UnionCredit union Erie, PA91 out of 100, Very strong$20.3M26.1%0.71%vs
Erie Police Federal Credit UnionCredit union Erie, PA89 out of 100, Very strong$2.5M26.2%0.00%vs
Erie Firefighters Federal Credit UnionCredit union Erie, PA85 out of 100, Very strong$10.0M13.9%0.31%vs
North East Welch Federal Credit UnionCredit union North East, PA82 out of 100, Strong$26.0M16.8%1.37%vs
Saint Vincent Erie Federal Credit UnionCredit union Erie, PA77 out of 100, Strong$17.9M12.2%0.86%vs
Marquette Savings BankBank Erie, PA73 out of 100, Strong$1.4B13.6%0.66%vs