TRI-LAKES
Charter #23198 · SARANAC LAKE, NY · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 4.36% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 1.36% sits at the 89th percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | TRI-LAKES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $28.36M | 57th pct | 54th pct |
| Members | 2,163 | 53th pct | 56th pct |
| Net worth ratio | 13.19% | 47th pct | 52th pct |
| Return on average assets | 1.02% | 69th pct | 64th pct |
| Net interest margin | 4.36% | 73th pct | 84th pct |
| Cost of funds | 0.43% | 28th pct | 39th pct |
| Loan-to-share | 48.34% | 34th pct | 41th pct |
| Delinquency 60+ days | 0.30% | 36th pct | 38th pct |
| Net charge-off ratio | 1.36% | 91th pct | 89th pct |
| Loan growth YoY | -1.42% | 58th pct | 56th pct |
| Share growth YoY | 7.20% | 88th pct | 79th pct |
| Efficiency ratio | 68.68% | 24th pct | 34th pct |
structural peer set hash: 03dcadc2446a5465f4aef6c1a895e116… (reproducible)
Closest structural peers
This is the free public view
Claim TRI-LAKES
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.