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
- 2,598
- 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
2,598 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | TWIN RIVERS |
|---|---|
| Total Assets | $38.4M |
| Members | 2,598 |
| Loans Outstanding | $15.4M |
| Shares & Deposits | $34.7M |
| Net Worth | $5.0M |
| Net Worth Ratio | 12.93% |
| Loan-to-Share Ratio | 44.2% |
| Delinquency Rate | 0.75% |
| Net Income | +$348,043 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
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.
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View New York RankingsFrequently Asked Questions
Yes. TWIN RIVERS 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, TWIN RIVERS has 2,598 members and a potential membership field of 106,198 people.
TWIN RIVERS's net worth ratio is 12.93% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 12.9%, TWIN RIVERS meets this threshold.
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 (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or TWIN RIVERS. All financial data is for informational purposes only.