Sep, 30, 2025 — TWIN RIVERS FEDERAL CREDIT UNION is a federal credit union headquartered in MASSENA, NY with 1 branch location and about $37.86 million in total assets. Opened 56 years ago in 1970, TWIN RIVERS FEDERAL CREDIT UNION has about 2,617 members and employs 8 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | TWIN RIVERS FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 23 Phillips St MASSENA, NY 13662 |
| Phone: | (315) 764-0240 |
| Fax: | (315) 769-2219 |
| Website: | https://www.twinriversfcu.org |
| Branches: | 1 branch locations |
| Members: | 2,617 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 20290 |
|---|---|
| Membership Type: | Community credit unions, urban or rural, other than those designated 'low income' |
| Corporate Credit Union: | No |
| Year Opened: | 1970 |
| Last Audited: | Aug 01, 2025 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $37,859,189 |
| CEO/Manager: | Christine M Grant |
| Chairperson: | R Shawn Gray |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 3,429,031 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 3,352,763 |
| Unsecured Loans | 1,763,538 |
| Other Loans | 10,873,081 |
| TOTAL LOANS | 15,989,382 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -153,267 |
| Land And Building | 236,276 |
| Other Fixed Assets | 47,417 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 333,865 |
| All Other Assets | 0 |
| TOTAL ASSETS | 37,859,189 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 362,628 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 8,682,452 |
| Regular shares | 22,226,603 |
| All Other Shares & Deposits | 3,467,534 |
| TOTAL SHARES & DEPOSITS | 34,376,589 |
| TOTAL LIABILITIES | 34,739,217 |
| Regular Reserve | 0 |
| Other Reserves | -1,752,032 |
| Undivided Earnings | 4,872,004 |
| TOTAL EQUITY | 3,119,972 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 37,859,189 |
| INCOME & EXPENSE | |
| Loan Income | 770,433 |
| Investment Income | 495,403 |
| Other Income | 89,960 |
| Total Employee Compensation & Benefits | 504,395 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 684,721 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 0 |
| Cost of Funds | 89,192 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 217,340 |
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