Overview / Commentary
28 Church St
Hoosick Falls, NY 12090

Tri State Area Federal Credit Union is headquartered in Hoosick Falls and is the 158th largest credit union in the state of New York. It is also the 3,038th largest credit union in the nation. It was established in 1953 and as of December of 2018, it had grown to 9 employees and 3,396 members at 2 locations. Tri State Area Federal Credit Union's money market rates are 4X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership with Tri State Area Federal Credit Union if offered to businesses, other legal entities and those who work, worship, attend school or live in the counties of Washington County, New York; Bennington County, Vermont; or Pittstown, Hoosick, Petersburgh, Grafton, Berlin, Stephentown, Sand Lake, Brunswick, Schaghticoke, Poestenkill townships, Rensselaer County, New York, or Williamstown, North Adams, or Adams townships, Berkshire County, Massachusetts.
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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Tri State Area Federal Credit Union has a low asset base.

Health Grade Components

NCUA #8885
Year Chartered1953
Primary Regulator
Profit Margin
Return on Assets - YTD-0.4%
Return on Equity - YTD-3.6%
Annual Interest Income$866.00K
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$26.4MM$24.0MM
LoansQ4 2018vs Q4 2017$15.0MM$13.8MM
DepositsQ4 2018vs Q4 2017$23.4MM$20.8MM
Equity CapitalQ4 2018vs Q4 2017$2.9MM$3.2MM
Loan Loss AllowanceQ4 2018vs Q4 2017$12.00K$13.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$11.00K$0
Real Estate OwnedQ4 2018vs Q4 2017$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Tri State Area Federal Credit Union Savings Account Rates

0.80%--IRA Savings
0.20%$25-Regular Savings
0.20%--Other Savings Account
0.20%--Christmas Club

Tri State Area Federal Credit Union Money Market Rates

1.75%*$100k*-Money Market
OTHER TIERS: 1.25% $2.5k - $50k | 1.50% $50k - $100k

Tri State Area Federal Credit Union CD Rates

2.75%$500-60 Month Share Certificate
2.70%$500-48 - 59 Month Share Certificate
2.60%$500-36 - 47 Month Share Certificate
2.50%$500-24 - 35 Month Share Certificate
2.25%$500-12 - 23 Month Share Certificate
1.25%$500-6 - 11 Month Share Certificate

Tri State Area Federal Credit Union Locations
Corporate Office28 Church StHoosick Falls, NY 12090
Branch Office85 Washington AvenueBennington, VT 05201

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