Erie, Pennsylvania · Peer group 3
Tri State Rail Credit Union
Tri State Rail Credit Union holds $20.4M in assets across 2,202 members as of Q1 2026 — about $9K of assets per member, on a charter dating to 1949. Charter number 6070, in the $10M-$50M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $20.4M |
|---|---|
| Total loans | $6.1M |
| Total shares (deposits) | $16.4M |
| Net worth | $3.9M |
| Members | 2,202 |
| Assets per member | $9K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | -2.4% | |
|---|---|---|
| Loans | -8.2% | around the 24th percentile of its peer group |
| Deposits | -4.1% | around the 18th percentile of its peer group |
| Members | -5.3% | around the 15th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 37.3% | around the 18th percentile of its peer group |
|---|---|---|
| Net worth ratio | 19.4% | around the 82nd percentile of its peer group |
| Return on assets | 0.24% | around the 29th percentile of its peer group |
| Delinquency ratio | 0.62% | around the 51st percentile of its peer group |
| Cash / assets | 22.3% | around the 87th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 49th percentile of its peer group |
What this page does not show
Everything above is Tri State Rail Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Pennsylvania — the comparison set a peer ratio is measured against.
- Altoona Area Employees Credit Union
ALTOONA, PA
$20.1M · 1,670 members
- Ppg & Associates Credit Union
Creighton, PA
$19.9M · 1,673 members
- Locomotive & Control Employees Credit Union
Erie, PA
$19.9M · 901 members
- Alleg-Kiski Postal Credit Union
NEW KENSINGTON, PA
$19.6M · 2,450 members
- Fayette Federal Employees Credit Union
UNIONTOWN, PA
$19.4M · 1,261 members
- North Penn Credit Union
COLMAR, PA
$21.7M · 1,281 members
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