Tri State Rail Federal Credit Union
Overview / Commentary
Tri State Rail Federal Credit Union is headquartered in Erie and is the 176th largest credit union in the state of Pennsylvania. It is also the 3,185th largest credit union in the nation. It was established in 1949 and as of March of 2025, it had grown to 7 employees and 2,325 members at 3 locations. Tri State Rail Federal Credit Union has a B health rating.
Field of Membership Restrictions
Must live, work, worship or attend school in a select area within the City of Erie, Pennsylvania. Also open to employees and retirees of AMTRAK (National Railroad Passenger Corporation) and other Select Employee Group (SEG).
See current membership details
Health
B
Data as of Q1 2025
Learn why bank health mattersAdditional 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 Rail Federal Credit Union has a low asset base.
Health Grade Components
| Overall | |
|---|---|
| NCUA # | 6070 |
| Year Chartered | 1949 |
| Employees | 7 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.68% |
| Return on Equity - YTD | 3.72% |
| Annual Interest Income | $184K |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $20.9MM$21.1MM |
| Loans | Q1 2025vs Q1 2024 | $6.6MM$7.6MM |
| Deposits | Q1 2025vs Q1 2024 | $17.1MM$17.4MM |
| Equity Capital | Q1 2025vs Q1 2024 | $3.8MM$3.6MM |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $61K$54K |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $148K$133K |
| Real Estate Owned | Q1 2025vs Q1 2024 | $5K$0 |