Credit union · NCUA insured
Tri State Rail Federal Credit Union
A $20.4M credit union headquartered in Erie, PA, with 2,202 members and 3 branches in Pennsylvania.
Tri State Rail Federal Credit Union Carrot Score
76
Carrot Score
Higher than 41% of U.S. banks and credit unions
#8 of 17 in Erie, PA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Tri State Rail Federal Credit Union
- Headquarters
- 110 W 13th St, Erie, PA 16501
- NCUA charter
- 6070
Branches
3 branches in Pennsylvania
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Pennsylvania
3 branches
Erie area · 2
- ErieMain office110 W 13th St, Erie, PA 16501Directions
- Corry22 S 1st Ave, Corry, PA 16407Directions
Pittsburgh area · 1
- East Pittsburgh711 Linden Ave, East Pittsburgh, PA 15112Directions
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 | 19.98% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.50% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.50% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $39 | $59 | — |
- CapitalNet worth ratio19.98%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.50%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.50%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$39Peers’ 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 State Rail 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.