TellerScore

Twin Rivers Federal Credit Union (NCUA charter #20290) is based in Massena, New York. Its Q2 2026 call report shows $39.2M in total assets and $35.2M in member shares and deposits and 2 offices across 2 states.

Twin Rivers Federal Credit Union has a TellerScore of 83 out of 100 (strong) based on Q2 2026 data — higher than 72% of its 2,479 credit unions with under $100 million in assets. Among 268 credit unions headquartered in New York, it ranks 63rd. Funding & liquidity contributes the most (100/100, 46% loans-to-deposits, 3% uninsured); earnings contributes the least (53/100, 0.84%).

TellerScore · Q2 2026

Scorecard

Capital cushion81/100
Net worth ratio: 13.07%
Loan quality93/100
Loans 60+ days delinquent ÷ total loans: 0.22%
Earnings53/100
Return on assets (annualized): 0.84%
Funding & liquidity100/100
Loans ÷ shares: 45.8% · 3.1% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.70%

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 4 points (79 → 83), mostly because the loan quality component improved by 7 points.

TellerScore
757983Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202477
Q3 202479
Q4 202481
Q1 202580
Q2 202579
Q3 202575
Q4 202577
Q1 202682
Q2 202683
Net worth ratio
7.00%10.04%13.07%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.81%
Q3 202412.12%
Q4 202412.64%
Q1 202512.33%
Q2 202512.68%
Q3 202512.87%
Q4 202512.93%
Q1 202612.82%
Q2 202613.07%
Delinquent loans (60+ days)
0.00%0.49%0.98%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.11%
Q3 20240.00%
Q4 20240.05%
Q1 20250.05%
Q2 20250.42%
Q3 20250.98%
Q4 20250.75%
Q1 20260.41%
Q2 20260.22%
Return on assets
0.39%0.70%1.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.39%
Q3 20240.50%
Q4 20240.54%
Q1 20250.57%
Q2 20250.66%
Q3 20250.77%
Q4 20250.79%
Q1 20261.00%
Q2 20260.84%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202683$39.2M13.07%0.22%0.84%45.8%
Q1 202682$39.4M12.82%0.41%1.00%44.1%
Q4 202577$38.4M12.93%0.75%0.79%44.2%
Q3 202575$37.9M12.87%0.98%0.77%46.5%
Q2 202579$37.7M12.68%0.42%0.66%45.8%
Q1 202580$38.2M12.33%0.05%0.57%44.6%
Q4 202481$36.8M12.64%0.05%0.54%47.2%
Q3 202479$38.0M12.12%0.00%0.50%46.9%
Q2 202477$38.4M11.81%0.11%0.39%45.9%

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 ratio13.07%
40th
Problem loans0.22%
72nd
Net charge-offs1.19%
11th
Return on assets0.84%
59th
Loans to deposits45.8%
70th
Uninsured deposits3.1%
36th
Loan-loss reserves0.00%
37th
Texas ratio0.7%
71st

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Deposit insurance

Is my money safe at Twin Rivers Federal Credit Union?

Yes. Twin Rivers Federal Credit Union is a federally insured credit union (NCUA charter #20290). 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 3.1% of shares and deposits ($1.1M) 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 13.07%, 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

Twin Rivers Federal Credit Union lists 2 offices in 2 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Twin Rivers Federal Credit Union
Type
Federal credit union
NCUA charter #
20290
RSSD ID
52782
Primary regulator
NCUA
Established
1970
Headquarters
23 Phillips St, Massena, NY 13662
Employees
8

Quick answers

Twin Rivers Federal Credit Union: common questions

Is Twin Rivers Federal Credit Union NCUA insured?

Yes. Twin Rivers Federal Credit Union is a federally insured credit union (NCUA charter #20290). 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 Twin Rivers Federal Credit Union's TellerScore?

83 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 Twin Rivers Federal Credit Union have?

2 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Massena

InstitutionScoreAssetsCapitalProblem loansCompare
Sea Comm Federal Credit UnionCredit union Massena, NY89 out of 100, Very strong$777.3M18.0%0.63%vs
The North Country Savings BankBank Canton, NY78 out of 100, Strong$373.5M14.5%0.82%vs
Trunorthern Federal Credit UnionCredit union Malone, NY76 out of 100, Strong$111.7M11.7%0.25%vs
Massena Savings and LoanBank Massena, NY73 out of 100, Strong$199.9M15.1%1.30%vs
NBT Bank, National AssociationBank Norwich, NY64 out of 100, Moderate$16.1B9.5%0.55%vs
KeyBank National AssociationBank Cleveland, OH63 out of 100, Moderate$188.6B9.9%0.86%vs