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Overview / Commentary
23 Phillips St
Massena, NY 13662

Twin Rivers Federal Credit Union is headquartered in Massena and is the 156th largest credit union in the state of New York. It is also the 2,962nd largest credit union in the nation. It was established in 1970 and as of December of 2017, it had grown to 8 employees and 2,821 members at 1 location. Twin Rivers Federal Credit Union 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.
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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 - YTD0.76%
Return on Equity - YTD6.35%
Annual Interest Income$992.00K
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$28.6MM$28.1MM
LoansQ4 2017vs Q4 2016$14.6MM$12.8MM
DepositsQ4 2017vs Q4 2016$24.8MM$24.6MM
Equity CapitalQ4 2017vs Q4 2016$3.4MM$3.3MM
Loan Loss AllowanceQ4 2017vs Q4 2016$48.00K$79.00K
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$10.00K$67.00K
Real Estate OwnedQ4 2017vs Q4 2016$0$0
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Twin Rivers Federal Credit Union Savings Account Rates

0.15%--IRA Account (Variable Rate)
0.05%--Share Account
0.05%--Christmas Club Account

Twin Rivers Federal Credit Union CD Rates

0.65%$1k-30 Month CD
0.65%$1k-36 Month CD
0.50%$1k-24 Month CD
0.35%$1k-18 Month CD
0.25%$1k-12 Month CD
0.25%$500-12 Month Scottie Savers Share CD
0.10%$1k-6 Month CD

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