# TWIN RIVERS
Massena, NY · NCUA charter 20290 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/twin-rivers-20290

Who the members are: federal charter, community charter, organized 1970, low-income designated. 2,576 members of 105,488 potential (2.4% of the field); checking penetration 82% (share draft accounts per 100 members); loans per 100 members 54.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $39.4M |
| Members | 2,576 (-1.9% YoY) |
| Full-time staff | 7 |
| Net worth | $5.1M |
| Net worth ratio | 12.8% (p37 of band) |
| ROA (annualized) | 1.00% (p70 of band) |
| Total delinquency | 0.41% (p41 of band) |
| Net charge-offs (annualized) | 1.69% (p91 of band) |
| Loans / shares | 44% (p30 of band) |
| Cash / assets | 16.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.07% (p58 of band) |
| Operating expense / assets | 3.73% (p53 of band) |
| Vehicles % of loans | 57% (p44 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.32% (p45 of band) |
| Vehicle NCO | 2.31% (p94 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 19% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 10% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 91% |
| Certificates % of member funds | 7% |
| Average share balance | $6,807 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 54% |
| Loans granted per 100 members, annualized | 17% |
| Average loan balance | $11,385 |
| Loans granted, annualized | $9.2M |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **charge-offs p90** (`aq_nco_high`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | members leaving |  |
| 2017-09 | 0 |  | members leaving |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | delinquency rising |  |
| 2018-06 | 1 | net worth falling | delinquency rising |
| 2018-09 | 1 | delinquency rising | net worth falling |
| 2018-12 | 1 |  |  |
| 2019-03 | 0 |  | delinquency rising |
| 2019-06 | 1 | delinquency rising |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | net worth falling, margin squeeze | delinquency rising |
| 2020-09 | 1 |  | net worth falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 5 | net worth falling, losing money, delinquency 2x band, delinquency rising |  |
| 2021-06 | 3 |  | net worth falling, losing money |
| 2021-09 | 2 |  | delinquency 2x band |
| 2021-12 | 0 |  | margin squeeze, delinquency rising |
| 2022-03 | 0 |  |  |
| 2022-06 | 1 | assets shrinking |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 2 | delinquency rising |  |
| 2023-03 | 2 | net worth falling | assets shrinking |
| 2023-06 | 0 |  | delinquency rising, net worth falling |
| 2023-09 | 1 | delinquency rising |  |
| 2023-12 | 0 |  | delinquency rising |
| 2024-03 | 1 | delinquency rising |  |
| 2024-06 | 0 |  | delinquency rising |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | members leaving |  |
| 2025-06 | 1 | delinquency rising | members leaving |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | charge-offs p90 |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2020-11-02 [Charlene A. Hazelton, 79, of Massena - WWNY](https://news.google.com/rss/articles/CBMibEFVX3lxTFBMa0JrNTFwR2ZUSGxnNGNtSDVBTVlCT2xBa0o5dUprcHZGNnVJeDZDMHpGXzBtaU5zNzRBSTQyZzRDSjhfUWRaT0Nwc3lrREcza19TdlJBekpHZmJMOThxbkVuTExjNmtfQmZQYtIBgAFBVV95cUxNS2hTeWJiZmZYeWpxdWNvMHFNbUZRSEJYZ3RrWnJEVmFwUktHODVhV2FsSkRmWDBkdmk4LUwzR3RwZzRfWmxqdDBYV2NERF9wLTluRWpVUlE2MnFkVEpCenJFaENGN1lQSHFNVEw2N0o2T3VOT0dMaC01amRHa1lsVw?oc=5) · WWNY
- 2026-01-21 [Massena Recreation Department opening outdoor rinks as winter finally sets in - North Country Now](https://news.google.com/rss/articles/CBMi0gFBVV95cUxPUEVyelc2Z3h6T3l1MXB1Z0VTYWx1aThNRkNibTNJVzVyVHZzaGs5VDBuR2EwdHpTSENoUDhhQzFnTG8zMWxON01Td1pWZDZrNDlWU0NVcjRkLTl3V3ZVc2c4QmxmT2JTQjdKTm1NOEZOdUJkN0xPZlVLRUMyckRrNHlmVGo0N1FVakNUZ0tWdXFtZ1lmM2tBSFQzZ2J4Q1lwTzVBaTJ0Q3BFY1JLaU9UQ2YzVm9GY1BsTjJWZUw4VVNjTWJEand6UGwydUkyTkk3TWc?oc=5) · North Country Now
- 2023-05-17 [Raymond Bouissey - nny360.com](https://news.google.com/rss/articles/CBMirwFBVV95cUxPQmFyZ3ZldExuc3d6MV9JZ0tlTjZNVWJzRGcxUFlCRzNuRy1JWGlmSVppRnlYcnhsRHdGSHI1QjBCM0hBeVhXNGdqVXhfOVhsX0xZYmp1M2tTNk5sbFpDOGNfejc0blV2bTc3MXE2a1BzZUc5Rl9yLW9zMDdCUWVOQ04wXzAwRWJaMDlkV0gyalloaGVIbkk3T0NVVDBhY0hDSzFzckxpWnNJXzZTRHFJ?oc=5) · nny360.com
- 2019-06-30 [Business People: Serena Williams to appear on Wheaties box - Pioneer Press](https://news.google.com/rss/articles/CBMinAFBVV95cUxNZTZVcElWanRWMWVGdmRlNDJIT0RuZ0pBb3JoZDV1bUZhelotVXhOTDdEOFJiTW9Xd2MtenpFR3E0T3p6akp6Rkw3d0FKX1ZadGd4cFRjUVJ0VTZUM3BiZ0FGMHFPNlRVeWtoWFd2Y25ZRGRPTVlZWVlYSEVfWVBUTHR2S1J3MWgtMmtBZ1ZGNXUtcHRnNHNwRW1lLVA?oc=5) · Pioneer Press
- 2019-09-01 [Duane T. Hazelton, 79, of Massena - WWNY](https://news.google.com/rss/articles/CBMia0FVX3lxTFAzbVd3Q19fWWJldk5IMUwtSUpJTDV5WldxekhPR1B4VjJYVXQzamllTF8zelBLZ2N1S2NsMlE3eG0wX3F6WVVHRVJCYzlDT1ZZY2hEU25LcFR2RUlIU0NLNnZZaWJZR0tYcTNj0gF_QVVfeXFMTmdBbHhvT2dGQ20zTGItdC1DQ3M1cmxKd251eC1FcXlMbFNSMldSMm10d3g0bFZ3Qk9seVE1ZkRrRkQ0R285UHRSVHk5S0dzd1MtZlB2RlhEREFOb2RvN2xWTlg3VktaNkpneWQxZWZ6ODFyOFljVXdQdGxVMkZpdw?oc=5) · WWNY
- 2025-07-02 [Keep the music alive 2025! Waddington Concert series returns - North Country Now](https://news.google.com/rss/articles/CBMid0FVX3lxTE9SeGE0Y0FQU3hVZXZieEluZ2dZLWNhNFdqbUVMdDBfV1pvT3JkMkp6TC1fSkRJVkxKSGdnYVRrNHBkZExScV8ybk14Q3NoZF9WZUNXUUstVm5yaHJ3cU9lYlpmd3V6SGs4cHhWUlFHcDEzY3pKTlhv?oc=5) · North Country Now
- 2024-11-12 [Thomas Caruso, formerly of Potsdam - North Country Now](https://news.google.com/rss/articles/CBMiggFBVV95cUxQMUsyaVMtaDJycEpwakk2LXdWckRWd21fc05YSVp2akUzZW9jdVd4QndWenZFX3FqZjlmWlZVNXRDZ3N4ZFZiWUtINlF3SWJyU1BtSFI2U0tCLXNiNzkzQ05BRWJKVUtKUnp3anJuc29rMThCaG9sM2pGT1RkZFVDekR3?oc=5) · North Country Now

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=20290 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/2.json (key "20290", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=20290
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide