TWIN RIVERS
Federal • Massena, New York • Est. 1970
Quick Facts
- Charter Number
- #20290
- Type
- Federal
- Established
- 1970
- Headquarters
- Massena, New York 13662
- Address
- 23 Phillips St
- Branches
- 2
- ATMs
- 1
- Members
- 2,576
- 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
2,576 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | TWIN RIVERS |
|---|---|
| Total Assets | $39.4M |
| Members | 2,576 |
| Loans Outstanding | $15.8M |
| Shares & Deposits | $35.8M |
| Net Worth | $5.1M |
| Net Worth Ratio | 12.82% |
| Loan-to-Share Ratio | 44.1% |
| Delinquency Rate | 0.41% |
| Net Income | +$0 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
Branch Locations
2 locations · 1 ATMs
TRFCU
Main Office23 Phillips St
Massena, NY 13662
Fiserv - Portico
2601 Network Blvd
Frisco, TX 75034
Who Can Join TWIN RIVERS?
Membership Type: Other/Unknown
Membership eligibility for TWIN RIVERS may vary. Contact the credit union directly to confirm qualification requirements.
Contact TWIN RIVERS 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
TWIN RIVERS 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, TWIN RIVERS has 2,576 members and a potential membership field of 105,488 people.
TWIN RIVERS's reported net worth ratio is 12.82% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
TWIN RIVERS operates 2 branch locations and has access to 1 ATMs. The main office is located at 23 Phillips St, Massena, NY 13662.
TWIN RIVERS was established in 1970. It is a federal credit union chartered under charter number 20290. The institution has been serving members for 56 years.
Data sourced from the NCUA Quarterly Call Report (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or TWIN RIVERS. All financial data is for informational purposes only.