Credit union · NCUA insured
Tri-Lakes Federal Credit Union
A $28.4M credit union headquartered in Saranac Lake, NY, with 2,163 members and 2 branches in New York.
Tri-Lakes Federal Credit Union Carrot Score
61
Carrot Score
Higher than 3% of U.S. banks and credit unions
#257 of 267 in New YorkHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Tri-Lakes Federal Credit Union
Tri-Lakes Federal Credit Union is a member-owned financial cooperative serving the Tri-Lakes and Adirondack regions of New York.
The credit union operates branches in Saranac Lake and Lake Placid, New York, where its main office is based.
- Headquarters
- 197 Broadway, Saranac Lake, NY 12983
- NCUA charter
- 23198
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Persons who live, work, worship, or attend school in the Town of Tupper Lake, Harrietstown, Franklin, Brighton, Santa Clara, St. Armand, Wilmington, Keene, or North Elba, New York are eligible to join.
- Businesses and other legal entities located in the Town of Tupper Lake, Harrietstown, Franklin, Brighton, Santa Clara, St. Armand, Wilmington, Keene, or North Elba, New York are eligible to join.
Employers and groups
- Employees of Tri-Lakes Federal Credit Union are eligible to join.
Family and household
- Members of the immediate family or household of eligible persons are eligible to join.
- Spouses of persons who died within the field of membership of the Credit Union are eligible to join.
Other ways
- Organizations of such eligible persons are eligible to join.
1 more way to join
Other ways
- Volunteers in the community are eligible to join.
Cost to join
- There is a one-time $5.00 entrance fee to become a member.
- Members must maintain a $5.00 balance in a Share/Savings account to keep the account open.
Branches
2 branches in New York
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New York
2 branches
Saranac Lake area · 1
- Saranac LakeMain office197 Broadway, Saranac Lake, NY 12983Directions
Lake Placid area · 1
- Lake Placid453 Wesvalley Rd, Lake Placid, NY 12946Directions
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 | 13.54% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.03% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.52% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $50 | $59 | — |
- CapitalNet worth ratio13.54%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.03%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.52%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$50Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million 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 Tri-Lakes 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.