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
- 2,159
- Membership Type
- Other/Unknown
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
2,159 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | TRI-LAKES |
|---|---|
| Total Assets | $27.0M |
| Members | 2,159 |
| Loans Outstanding | $12.1M |
| Shares & Deposits | $23.1M |
| Net Worth | $3.7M |
| Net Worth Ratio | 13.60% |
| Loan-to-Share Ratio | 52.3% |
| Delinquency Rate | 0.78% |
| Net Income | +$533,782 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
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.
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View New York RankingsFrequently Asked Questions
Yes. TRI-LAKES is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, TRI-LAKES has 2,159 members and a potential membership field of 13,400 people.
TRI-LAKES's net worth ratio is 13.60% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 13.6%, TRI-LAKES meets this threshold.
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 (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or TRI-LAKES. All financial data is for informational purposes only.