Credit union · NCUA insured
Twin Rivers Federal Credit Union
A $39.4M credit union headquartered in Massena, NY, with 2,576 members and 1 branch in New York. Best rates: CDs 2.78% APY.
Twin Rivers Federal Credit Union Carrot Score
66
Carrot Score
Higher than 17% of U.S. banks and credit unions
#7 of 9 in Massena, NY metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Twin Rivers Federal Credit Union
Twin Rivers Federal Credit Union was established in 1970 for the employees of the Reynolds Metals Company and their families.
On January 9, 2003, the National Credit Union Administration approved the credit union to provide financial services to all of St. Lawrence County, New York.
- Headquarters
- 23 Phillips St, Massena, NY 13662
- NCUA charter
- 20290
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Eligibility is open to businesses or other legal entities located in St. Lawrence County, New York.
- Eligibility is open to individuals who live, work, worship, or attend school in St. Lawrence County, New York.
Branches
1 branch in New York
Loading map…
New York
1 branch
- TrfcuMain office23 Phillips St, Massena, NY 13662Directions
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 | 13.07% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.22% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.85% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $46 | $59 | — |
- CapitalNet worth ratio13.07%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.22%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.85%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$46Peers’ 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 Twin Rivers 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.