Sep, 30, 2025 — THREE RIVERS FEDERAL CREDIT UNION is a federal credit union headquartered in FORT WAYNE, IN with 25 branch locations and about $2.72 billion in total assets. Opened 91 years ago in 1935, THREE RIVERS FEDERAL CREDIT UNION has about 137,381 members and employs 496 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | THREE RIVERS FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 1605 Northland Blvd FORT WAYNE, IN 46825 |
| Phone: | (260) 490-8328 |
| Fax: | (260) 489-9362 |
| Website: | https://www.3riversfcu.org |
| Branches: | 25 branch locations |
| Members: | 137,381 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 159 |
|---|---|
| Membership Type: | Multiple common bond - other |
| Corporate Credit Union: | No |
| Year Opened: | 1935 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $2,717,550,747 |
| CEO/Manager: | Don P Cates |
| Chairperson: | Brent Spindler |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 120,125,516 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 20,735,477 |
| Real Estate Loans | 1,186,924,285 |
| Unsecured Loans | 149,337,154 |
| Other Loans | 475,673,752 |
| TOTAL LOANS | 1,823,000,220 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -22,251,650 |
| Land And Building | 39,530,736 |
| Other Fixed Assets | 2,496,382 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 16,643,931 |
| All Other Assets | 417,110 |
| TOTAL ASSETS | 2,717,550,747 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 704 |
| Notes & Interest Payable | 335,631,867 |
| Accounts Payable & Other Liabilities | 41,572,177 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 536,440,395 |
| Regular shares | 382,966,512 |
| All Other Shares & Deposits | 1,094,927,237 |
| TOTAL SHARES & DEPOSITS | 2,014,334,145 |
| TOTAL LIABILITIES | 2,391,551,809 |
| Regular Reserve | 0 |
| Other Reserves | -24,375,937 |
| Undivided Earnings | 350,374,875 |
| TOTAL EQUITY | 325,998,938 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 2,717,550,747 |
| INCOME & EXPENSE | |
| Loan Income | 88,164,893 |
| Investment Income | 18,951,063 |
| Other Income | 14,251,908 |
| Total Employee Compensation & Benefits | 35,925,529 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 28,803,628 |
| Non-operating Income & (Expense) | -4,851,110 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 6,706,532 |
| Cost of Funds | 36,957,462 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 34,994,583 |
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