TWIN RIVERS Credit Union Profile

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TWIN RIVERS

Charter #20290 | NCUA Region 1 | FCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (315) 764-0240

Fax: (315) 769-2219

Founding Date: N/A

Website: http://www.twinriversfcu.org

Personnel & Operations

President: Gray, R Shawn

Manager: Grant, Christine

FT Employees: 8

PT Employees: 0

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 00

Branches: 1

Hours: 8:30 AM - 5:00 PM Monday - Friday 9:00 AM

Credit Union Profile Summary

TWIN RIVERS is a FCU Credit Union. With a total of 2,624 members [1], this institution manages approximately $37,690,837 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 12.68% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -3.34% [1].

Financial Snapshot

Total Assets [1]
$37,690,837

Total economic resources.

Total Loans [1]
$15,886,005

Total value of outstanding loans.

Total Deposits [1]
$34,668,104

Total funds deposited by members.

Members [1]
2,624

Number of active members.

Performance Ratios

Net Worth Ratio [1]
12.68%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
0.67%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
45.82%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
-1.80%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
-3.34%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
-2.92%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

23 Phillips St

Massena, NY, 13662

Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

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Branch Locations

Found 1 branches reported by TWIN RIVERS (Charter #20290).

Main Office

TRFCU Main Office

Type: Corporate Office

23 Phillips St

Massena, NY 13662

Phone: (315) 764-0240

Services: Member Services, ATM, Drive-Thru

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