Twin Rivers Federal Credit Union

Overview / Commentary
23 Phillips St
Massena, NY 13662

Twin Rivers Federal Credit Union is headquartered in Massena and is the 148th largest credit union in the state of New York. It is also the 2,748th largest credit union in the nation. It was established in 1970 and as of December of 2023, it had grown to 9 employees and 2,723 members at 1 location. Twin Rivers Federal Credit Union's CD rates are 68% higher than the national average, and it has a B health rating.

Field of Membership Restrictions

Membership is open to those who live, worship, attend school or work in, or businesses located in St. Lawrence County in New York.
See current membership details


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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. Twin Rivers Federal Credit Union has a low asset base.

Health Grade Components

NCUA #20290
Year Chartered1970
Primary Regulator
Profit Margin
Return on Assets - YTD0.48%
Return on Equity - YTD8.54%
Annual Interest Income$1.5MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$37.1MM$35.8MM
LoansQ4 2023vs Q4 2022$16.4MM$15.7MM
DepositsQ4 2023vs Q4 2022$34.6MM$34MM
Equity CapitalQ4 2023vs Q4 2022$2.1MM$1.5MM
Loan Loss AllowanceQ4 2023vs Q4 2022$156K$159K
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$30K$38K
Real Estate OwnedQ4 2023vs Q4 2022$0$0
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Twin Rivers Federal Credit Union Savings Account Rates

0.05%--Share Account
0.05%--Christmas Club Account
0.05%--Variable Rate IRA

Twin Rivers Federal Credit Union Checking Account Rates

1.51%$500-12 Month IRA

Twin Rivers Federal Credit Union CD Rates

2.78%$1k-36 Month CD
2.63%$1k-24 Month CD
1.51%$1k-12 Month CD
1.00%$1k-6 Month CD

Twin Rivers Federal Credit Union Locations
Branch Office23 Phillips StMassena, NY 13662

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