Sep, 30, 2025 — TRAILNORTH FEDERAL CREDIT UNION is a federal credit union headquartered in TICONDEROGA, NY with 3 branch locations and about $175.55 million in total assets. Opened 72 years ago in 1954, TRAILNORTH FEDERAL CREDIT UNION has about 11,062 members and employs 38 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | TRAILNORTH FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 1172 NYS Route 9N TICONDEROGA, NY 12883-3106 |
| Phone: | (518) 585-6725 |
| Fax: | (518) 503-3069 |
| Website: | https://www.trailnorth.com |
| Branches: | 3 branch locations |
| Members: | 11,062 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 9219 |
|---|---|
| Membership Type: | Community - Rural District |
| Corporate Credit Union: | No |
| Year Opened: | 1954 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $175,549,643 |
| CEO/Manager: | Marcy Eichen |
| Chairperson: | John F Lenhart |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 21,874,820 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 367,072 |
| Real Estate Loans | 16,868,981 |
| Unsecured Loans | 8,041,889 |
| Other Loans | 66,965,362 |
| TOTAL LOANS | 91,876,233 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -1,064,016 |
| Land And Building | 6,311,961 |
| Other Fixed Assets | 686,094 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 1,482,947 |
| All Other Assets | 0 |
| TOTAL ASSETS | 175,549,643 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 1,306,460 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 46,119,591 |
| Regular shares | 71,683,207 |
| All Other Shares & Deposits | 40,318,556 |
| TOTAL SHARES & DEPOSITS | 158,121,354 |
| TOTAL LIABILITIES | 159,427,814 |
| Regular Reserve | 0 |
| Other Reserves | 2,778,976 |
| Undivided Earnings | 13,342,853 |
| TOTAL EQUITY | 16,121,829 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 175,549,643 |
| INCOME & EXPENSE | |
| Loan Income | 4,994,122 |
| Investment Income | 1,087,980 |
| Other Income | 622,844 |
| Total Employee Compensation & Benefits | 2,861,142 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 2,721,435 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 114,867 |
| Cost of Funds | 941,444 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 1,043,539 |
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