CU Explorer
Credit unions · New York · Q2 2026

Tri-Lakes FCU

Credit union in Saranac Lake, NY · NCUA charter #23198 · Federal charter

Legal name: Tri-Lakes

Latest filed figures, Q2 2026. Every number below comes from the credit union's own NCUA 5300 Call Report.

Total assets$28.7M
Total loans & leases$12.2M
Total shares & deposits$24.6M
Members2,156
Net worth$3.9M
Net worth / assets13.54%
Loans / assets42.45%
Return on assets (annualized)1.48%
Loan growth (YoY)−2.34%
Member growth (YoY)−0.42%
Delinquency, all loans (60+ days)0.03%
CharterFederal charter
Asset band< $50M
NCUA peer group$10M–$50M
Sponsor typeCommunity

AI readiness

No public evidence

Nothing public says the credit union uses AI.

No public evidence found as of 2026-09-22. Checked: its website, announcements by AI vendors, news search. Absence of evidence is not evidence of absence; a credit union may use AI without saying so publicly.

Filed signals, from the credit union's own NCUA call report (Q2 2026): online loan application, online loan payments, e-Statements. These are relationships and channels, not AI as such.

The AI Score runs from one to five stars; one star, no public evidence, is never shown on a credit union. Scores and sources for every credit union: CU AI Ready Report.

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