THREE RIVERS CREDIT UNION is no longer an active credit union according to the NCUA. If available, you can view their website at https://www.threeriverscu.net for more information.
Sep, 30, 2025 — THREE RIVERS CREDIT UNION is a federally insured state chartered credit union headquartered in BAINBRIDGE, GA with 2 branch locations and about $12.57 million in total assets. Opened 71 years ago in 1955, THREE RIVERS CREDIT UNION has about 3,548 members and employs 7 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 CREDIT UNION |
|---|---|
| Address: (Main Office) | PO BOX 160 BAINBRIDGE, GA 39818-0160 |
| Phone: | (229) 243-8131 |
| Fax: | (229) 243-8720 |
| Website: | https://www.threeriverscu.net |
| Branches: | 2 branch locations |
| Members: | 3,548 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 67913 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1955 |
| Last Audited: | Mar 01, 2020 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $12,570,929 |
| CEO/Manager: | Thomas F Joyce |
| Chairperson: | Seymour M Pelton |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 3,298,106 |
| TOTAL INVESTMENTS | 4,183,149 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 983,632 |
| Unsecured Loans | 467,977 |
| Other Loans | 2,986,945 |
| TOTAL LOANS | 4,443,505 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -119,579 |
| Land And Building | 571,755 |
| Other Fixed Assets | 54,885 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 93,628 |
| All Other Assets | 45,480 |
| TOTAL ASSETS | 12,570,929 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 30,769 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 14,263 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 2,640,899 |
| Regular shares | 5,485,311 |
| All Other Shares & Deposits | 3,107,842 |
| TOTAL SHARES & DEPOSITS | 11,234,052 |
| TOTAL LIABILITIES | 11,279,084 |
| Regular Reserve | 331,027 |
| Other Reserves | 0 |
| Undivided Earnings | 960,818 |
| TOTAL EQUITY | 1,291,845 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 12,570,929 |
| INCOME & EXPENSE | |
| Loan Income | 172,354 |
| Investment Income | 43,090 |
| Other Income | 159,121 |
| Total Employee Compensation & Benefits | 154,651 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 429,011 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 0 |
| Cost of Funds | 28,430 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | -237,527 |
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