Tri-Lakes
Saranac Lake, NY · Charter 23198 · Peer group: credit unions under $1B in assets in NY (n=59)
NCUA · 2 branches
Q2 2026
$28.7MAssets
$12.2MLoans
$24.6MShares
$3.9MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 92% of credit unions under $1B in assets in NY (rank 6 of 59).
- Widest gap: equity / assets trails 47% of credit unions under $1B in assets in NY (rank 28 of 59).
- Overall: at or above the peer median on 7 of 7 directional measures.
Return on Assets
1.48%
Rank 11 of 59
Net Interest Margin
4.30%
Rank 11 of 59
Efficiency Ratio
65.45%
Rank 16 of 59
Equity / Assets
13.54%
Rank 28 of 59
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.48% | 0.28% | 1.01% | 1.42% | Beats 81% | 11 / 59 | | |
| Return on Equity | 10.92% | 2.31% | 7.92% | 10.52% | Beats 80% | 12 / 59 | | |
| Net Interest Margin | 4.30% | 3.24% | 3.66% | 4.04% | Beats 81% | 11 / 59 | | |
| Efficiency Ratio | 65.45% | 63.53% | 74.15% | 82.44% | Beats 75% | 16 / 59 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.03% | 0.32% | 0.68% | 1.20% | Beats 92% | 6 / 59 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.54% | 10.94% | 13.05% | 16.06% | Beats 53% | 28 / 59 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.54% | 10.94% | 13.05% | 16.06% | Beats 53% | 28 / 59 | | |
| Liquidity & Funding |
| Loans / Deposits | 49.51% | 40.49% | 57.59% | 78.86% | 37th pctl | 37 / 59 | | |
| Loans / Assets | 42.45% | 33.06% | 50.92% | 63.03% | 37th pctl | 37 / 59 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |