Tri-Lakes

SARANAC LAKE, NY · 1 · Charter #23198 · www.trilakesfcu.com
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$27.0M
73th percentile
Members
2,159
70th percentile
Total loans
$12.1M
71th percentile
Total shares
$23.1M
74th percentile

Profitability

Return on assets
1.98%
90th percentile
Net interest margin
4.51%
69th percentile
Efficiency ratio
60.08%
64th percentile
Non-interest income ratio
16.01%
72th percentile

Capital & Risk

Net worth ratio
13.60%
41th percentile
Delinquency rate
0.78%
48th percentile
Net charge-off rate
0.07%
65th percentile
Loan-to-share
52.30%
38th percentile

Growth

Member growth YoY
0.19%
69th percentile
Asset growth YoY
3.24%
64th percentile
Loan growth YoY
-4.89%
42th percentile
Share growth YoY
1.66%
57th percentile

Operations

Members / branch
1,080
49th percentile
Assets / member
$12,504
74th percentile
Field of membership penetration
16.11%
29th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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