Twin Rivers Federal Credit Union


Overview / Commentary
315-764-0240
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 2,683rd largest credit union in the nation. It was established in 1970 and as of March of 2025, it had grown to 8 employees and 2,627 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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Health
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

Overall
NCUA #20290
Year Chartered1970
Employees8
Primary Regulator
Profit Margin
Return on Assets - YTD0.58%
Return on Equity - YTD8.26%
Annual Interest Income$409K
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$38.2MM$37.9MM
LoansQ1 2025vs Q1 2024$15.7MM$16.3MM
DepositsQ1 2025vs Q1 2024$35.3MM$35.6MM
Equity CapitalQ1 2025vs Q1 2024$2.7MM$1.9MM
Loan Loss AllowanceQ1 2025vs Q1 2024$177K$181K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$8K$32K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
Rates
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Twin Rivers Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$0-Share Account
0.05%$0-Christmas Club Account

Twin Rivers Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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 IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.51%$500-12 Month IRA
0.05%$0-Variable Rate IRA
Locations


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

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