# TRI-LAKES
SARANAC LAKE, NY · NCUA charter 23198 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/tri-lakes-23198

Who the members are: federal charter, community charter, organized 1978. 2,163 members of 13,400 potential (16.1% of the field); checking penetration 56% (share draft accounts per 100 members); loans per 100 members 46.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $28.4M |
| Members | 2,163 (0.1% YoY) |
| Full-time staff | 6 |
| Net worth | $3.7M |
| Net worth ratio | 13.2% (p39 of band) |
| ROA (annualized) | 1.00% (p70 of band) |
| Total delinquency | 0.30% (p36 of band) |
| Net charge-offs (annualized) | 1.38% (p90 of band) |
| Loans / shares | 48% (p36 of band) |
| Cash / assets | 54.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.25% (p65 of band) |
| Operating expense / assets | 3.48% (p45 of band) |
| Vehicles % of loans | 59% (p46 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.42% (p49 of band) |
| Vehicle NCO | 1.37% (p90 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 16% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 10% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 92% |
| Certificates % of member funds | 4% |
| Average share balance | $5,515 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 46% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $11,777 |
| Loans granted, annualized | $4.7M |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | thin capital, capital below 7% |  |
| 2016-06 | 1 |  | capital below 7% |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 2 | net worth falling |  |
| 2017-09 | 1 |  | net worth falling |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 2 | delinquency rising |  |
| 2019-12 | 3 | delinquency 2x band |  |
| 2020-03 | 2 |  | delinquency 2x band |
| 2020-06 | 3 | margin squeeze |  |
| 2020-09 | 3 | net worth falling | delinquency rising |
| 2020-12 | 2 | members leaving | margin squeeze, net worth falling |
| 2021-03 | 2 | margin squeeze | members leaving |
| 2021-06 | 3 | net worth falling |  |
| 2021-09 | 2 |  | net worth falling |
| 2021-12 | 2 |  |  |
| 2022-03 | 3 | net worth falling, delinquency rising | margin squeeze |
| 2022-06 | 2 |  | net worth falling |
| 2022-09 | 1 |  | delinquency rising |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 0 |  | thin capital |
| 2023-12 | 1 | assets shrinking |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 0 |  | assets shrinking |
| 2024-12 | 2 | delinquency rising, auto monoline |  |
| 2025-03 | 2 | delinquency 2x band | auto monoline |
| 2025-06 | 2 | auto monoline | delinquency 2x band |
| 2025-09 | 2 |  |  |
| 2025-12 | 1 |  | auto monoline |
| 2026-03 | 0 |  | delinquency rising |

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

- 2026-08-05 [New Branson Tri-Lakes News relaunches after group of business owners revives more than 100-year-old publication - KY3](https://news.google.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?oc=5) · KY3
- 2026-08-27 [Tri-Lakes Humane Society’s sixth annual ADK Bark in the Park event set for Sept. 20 - The Daily Gazette](https://news.google.com/rss/articles/CBMigAJBVV95cUxOc2FYeDhKZFhGSS1iZHVPb0JkZUtLQ1lfSkh1Z0pDV1l4VGE3RUNEOFdiUnpFck9CQnVWVlJCZUtQWWJRN2gyV0J5Y1VZMlJILWtCTHhVUVlwam5RMnVTamczc0VrU3E1NzNtQkJScU1LSnYwOFBFUk9tYi04TmRiYkFrdms4bVJpdnlnX2JjU0FxVDNnMHJkVWlVQ21QZ3FUM0J4aUxlWHZ5ajJkbS03WHpMVTVGYTZRUkwyMVJjRkRmeklOOXU5RlUzSjRUcUpqZWszcTlLUWtfLWhPQzE0ZU5CN0dKTVFGOC1fdVhyQkVjcFI2ejZFenk5ekRmVE5O?oc=5) · The Daily Gazette
- 2026-05-18 [Amy Rae Rushlow Obituary (2026) - Saranac Lake, NY - Fortune-Keough Funeral Home - legacy.com](https://news.google.com/rss/articles/CBMif0FVX3lxTFBzQ3VXamo1dzlERjNuZ0t2N2wwSmJnWlNFbTRuWnZaYW1zc3JKbXNFRExaOVE3aGdubm80U0c4bEF2SXZndkFhN1dVejRIMGlvVi1GdWMzRWJHb1VKemxNaDJHWERnaUZYYURVRmxaX19GTjhudkYyMFp4Wjh1OTg?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=23198 (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/30.json (key "23198", 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=23198
- 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.

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