Credit union · NCUA insured
TrailNorth Federal Credit Union
Top CarrotA $176.5M credit union headquartered in Ticonderoga, NY, with 10,968 members and 3 branches in New York. Best rates: CDs 4.25% and savings 0.10% APY.
TrailNorth Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 87% of U.S. banks and credit unions
#50 of 267 in New YorkHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About TrailNorth Federal Credit Union
TrailNorth Federal Credit Union is a member-owned, not-for-profit cooperative financial institution headquartered in Ticonderoga, New York.
- Headquarters
- 1172 NYS Route 9N, Ticonderoga, NY 12883-3106
- NCUA charter
- 9219
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school, or businesses and legal entities located in Essex, Washington, Warren, Clinton, and Franklin Counties in New York and Addison County in Vermont are eligible to join.
Family and household
- Immediate family members (spouse, child, sibling, parent, grandparent, grandchild, stepparents, stepchildren, stepsiblings, and adoptive relationships) of individuals within the credit union's field of membership are eligible to join, regardless of whether the relative is a member.
Branches
3 branches in New York
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New York
3 branches
Elizabethtown area · 1
- TrainNorth Federal Credit Union7519 Court St, Elizabethtown, NY 12932Directions
Port Henry area · 1
- TrailNorth Federal Credit Union43 Meacham St, Port Henry, NY 12974Directions
Ticonderoga area · 1
- TrailNorth Federal Credit Union1178 NYS Route 9N, Ticonderoga, NY 12883Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 9.78% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.84% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.74% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $55 | $76 | — |
- CapitalNet worth ratio9.78%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.84%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.74%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$55Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of TrailNorth Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.