TRI-LAKES
Federal • Saranac Lake, New York • Est. 1978
Quick Facts
- Charter Number
- #23198
- Type
- Federal
- Established
- 1978
- Headquarters
- Saranac Lake, New York 12983
- Address
- 197 Broadway
- Branches
- 2
- ATMs
- 2
- Members
- 2,163
- Membership Type
- Other/Unknown
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
Under CUScore's rules, this institution reports a net worth ratio of at least 10% and a delinquency rate below 1%. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
2,163 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | TRI-LAKES |
|---|---|
| Total Assets | $28.4M |
| Members | 2,163 |
| Loans Outstanding | $11.8M |
| Shares & Deposits | $24.4M |
| Net Worth | $3.7M |
| Net Worth Ratio | 13.19% |
| Loan-to-Share Ratio | 48.3% |
| Delinquency Rate | 0.30% |
| Net Income | +$0 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
Branch Locations
2 locations · 2 ATMs
Saranac Lake
Main Office197 Broadway
Saranac Lake, NY 12983
Lake Placid
453 Wesvalley Rd
Lake Placid, NY 12946-1371
Who Can Join TRI-LAKES?
Membership Type: Other/Unknown
Membership eligibility for TRI-LAKES may vary. Contact the credit union directly to confirm qualification requirements.
Contact TRI-LAKES directly or visit their website for the most accurate and up-to-date membership eligibility information.
Find More Credit Unions in New York
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View New York RankingsFrequently Asked Questions
TRI-LAKES is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, TRI-LAKES has 2,163 members and a potential membership field of 13,400 people.
TRI-LAKES's reported net worth ratio is 13.19% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
TRI-LAKES operates 2 branch locations and has access to 2 ATMs. The main office is located at 197 Broadway, Saranac Lake, NY 12983.
TRI-LAKES was established in 1978. It is a federal credit union chartered under charter number 23198. The institution has been serving members for 48 years.
Data sourced from the NCUA Quarterly Call Report (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or TRI-LAKES. All financial data is for informational purposes only.