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The Lender Report built this page from public records. Three Rivers Credit Union has not reviewed it. Every lender's page starts this way, and it says nothing about Three Rivers Credit Union itself. Each figure shows its source and date. Work at Three Rivers Credit Union? You can claim this page for free.
Credit union, Fort Wayne, IN
Three Rivers Credit Union
A credit union based in Fort Wayne, IN. Its commercial book is led by owner-occupied CRE and C&I. Public files show recent multifamily, 1-4 unit investor, SBA 7(a), SBA 504 and real-estate-secured commercial loans it made.
- Kind
- Credit union
- Data as of
- June 30, 2026
- Page last changed
- November 11, 2026
- Commercial book
- $258M
- NCUA 5300,
- Holds, not loans made
- Commercial loans made, H1 2026
- 27
- NCUA 5300,
- Real-estate-secured
- SBA loans, 36 months
- 9
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $2.93B
- NCUA 5300,
Does it fit my deal?
The deal is read here and kept nowhere. Leave out names, income and credit scores.
How to reach them
Each line shows where it came from
- Phone
- 260-490-8328 From the NCUA record, June 30, 2026.
- Website
- www.3riversfcu.orgFrom the NCUA record, November 9, 2026.
- Names it files under
- THREE RIVERS; 3Rivers; THREE RIVERS FEDERAL CREDIIT U; Three Rivers Federal Credit UnionNCUA 5300,
- Address
- PO Box 2573, Fort Wayne, IN 46801NCUA 5300,
- Regulator record
- NCUA profile
You generally must be a member of a credit union to borrow from it. Field of membership: Multiple common bond - other.
Recently done
Recorded lending
Recorded lending. Two or more public files show loans this lender made.
| When | What the record shows | Source |
|---|---|---|
| Jun 2025 to Jun 2026 | Owner-occupied CRE balance rose 5.8% to $92.6M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | NCUA 5300 |
| Jun 2025 to Jun 2026 | Commercial and industrial balance rose 3.1% to $85.6M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | NCUA 5300 |
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| Aug 2026 | Indiana | SBA 7(a), Offices of Physicians (except Mental Health Specialists) | $500K | 9.75% | 8 yr | SBA FOIA | |
| Feb 2026 | Indiana | SBA 504, Information | $650K | 25 yr | SBA FOIA | ||
| Jan 2026 | Indiana | SBA 7(a), Mobile Food Services | $76K | 10% | 8 yr | SBA FOIA | |
| 2025 | Allen County, IN | Refinance, 50 to 99 units | $2.8M | 7.3% | 15 yr | HMDA 2025 | |
| 2025 | Allen County, IN | Refinance, 25 to 49 units | $1.5M | 7.3% | 15 yr | HMDA 2025 | |
| 2024 | Delaware County, IN | Purchase, 5 to 24 units | $900K | 9.28% | 15 yr | HMDA 2024 | |
| 2024 | DeKalb County, IN | Cash-out refinance, 5 to 24 units | $200K | 7.62% | 15 yr | HMDA 2024 | |
| Nov 2024 | Indiana | SBA 504, Full-Service Restaurants | $200K | 25 yr | SBA FOIA | ||
| Jun 2024 | Indiana | SBA 7(a), Offices of Mental Health Practitioners (except Physicians) | $80K | 11.5% | 7 yr | SBA FOIA | |
| Feb 2024 | Indiana | SBA 7(a), Other Services to Buildings and Dwellings | $120K | 10.5% | 5 yr | SBA FOIA | |
| Jan 2024 | Indiana | SBA 7(a), Motor Vehicle Towing | $80K | 9% | 7 yr | SBA FOIA | |
| 5 SBA 7(a) loans since October 2023, net of cancelled | $856K | SBA FOIA | |||||
A blank means the source did not report it.
What it holds
NCUA 5300, June 30, 2026
| Book | Holds | Of its loans | Year over year | Loans | Average |
|---|---|---|---|---|---|
| Multifamily | $14.8M | 0.8% | -41.6% | 14 | $1.05M |
| Construction and land development | $13.0M | 0.7% | -34.9% | 8 | $1.62M |
| Owner-occupied CRE | $92.6M | 5.2% | +5.8% | 234 | $396K |
| Non-owner-occupied CRE | $51.5M | 2.9% | -13.0% | 79 | $652K |
| Farmland | $392K | 0.0% | Not reported | 3 | $131K |
| Commercial and industrial | $85.6M | 4.8% | +3.1% | 598 | $143K |
| Other real-estate-secured commercial | $0 | 0.0% | Not reported | Not reported | Not reported |
| Commercial total | $258M |
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $267M |
| Q4 2023 | $279M |
| Q1 2024 | $258M |
| Q2 2024 | $263M |
| Q3 2024 | $271M |
| Q4 2024 | $276M |
| Q1 2025 | $268M |
| Q2 2025 | $276M |
| Q3 2025 | $274M |
| Q4 2025 | $284M |
| Q1 2026 | $267M |
| Q2 2026 | $258M |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| Multifamily, 5 or more units | 2025 | 2 | $4.30M | $2.10M | $2.8M | HMDA, |
| Multifamily, 5 or more units | 2024 | 2 | $1.10M | $540K | HMDA, | |
| 1-4 unit investor or business purpose | 2025 | 70 | $8.96M | $125K | HMDA, | |
| SBA 7(a), net of cancelled | 36 months to Sep 2026 | 5 | $856K | $80.0K | $500K | SBA FOIA, |
| SBA 7(a), net of cancelled | 12 months to Sep 2026 | 2 | $570K | SBA FOIA, | ||
| SBA 504 first lien, net of cancelled | 36 months to Sep 2026 | 4 | $1.20M | $210K | $650K | SBA FOIA, |
| Real-estate-secured commercial | First half of 2026 | 27 | $7.78M | NCUA 5300, | ||
| Construction | First half of 2026 | 1 | $620K | NCUA 5300, | ||
| Owner-occupied CRE | First half of 2026 | 25 | $6.32M | NCUA 5300, | ||
| Non-owner-occupied CRE | First half of 2026 | 1 | $830K | NCUA 5300, | ||
| C&I | First half of 2026 | 84 | $7.72M | NCUA 5300, |
How these public files were tied to this lender. HMDA: its legal entity identifier (LEI). SBA 7(a) loans: its NCUA charter number. SBA 504 first liens: its name and state.
| Book | Average loan |
|---|---|
| Construction and land development | $1.62M |
| Multifamily | $1.05M |
| Owner-occupied CRE | $396K |
| Non-owner-occupied CRE | $652K |
| Farmland | $131K |
| Commercial and industrial | $143K |
Programs on record: Federal Home Loan Bank member, Indianapolis district (FHFA).
Where it lends
Offices beside loans on record
Capacity. Not a rating
Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.
| Measure | This lender | Its peers | How it is worked out | Source |
|---|---|---|---|---|
| Business loan cap | $359M | $170M to $708M across 8 peers | Estimate: the lesser of 1.75 times net worth or 12.25% of assets. Low-income designated credit unions and some others are exempt. Not a statement from the credit union. | NCUA 5300, 12 CFR 723.8, Jun 30, 2026 |
| Business loans outstanding | $295M | $302M to $1.47B across 8 peers | Net member business loans, as reported on Form 5300. | NCUA 5300, |
| Cap used | 82.1% | 98.5% to 239.2% across 8 peers | Business loans outstanding over the estimated cap. | NCUA 5300, |
| Largest single borrower | $58.3M | $22.9M to $79.3M across 8 peers | Estimate: the greater of 15% of net worth or $100,000. Not a limit the credit union has stated. | NCUA 5300, 12 CFR 723.4, Jun 30, 2026 |
| CRE to net worth | 20.4% | 71.9% to 179.7% across 8 peers | (Construction + multifamily + non-owner-occupied CRE loans) divided by net worth. Our own ratio, not a regulatory test or limit. | NCUA 5300, |
| Loans to assets | 61.3% | 61.5% to 87.0% across 8 peers | Total loans divided by total assets. | NCUA 5300, |
Estimates use the formulas in 12 CFR 723. Low-income designated credit unions and some others are exempt from the cap.
Loan channel and SBA processing
Public record only
- Approval to first disbursement
- 36 days, median of 5
SBA FOIA, SBA 7(a) loans, 36 months. Counted from SBA approval, not application. Lines of credit disburse fast.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| Indiana Members Credit Union | IN | $3.60B | $559M |
| Centra Credit Union | IN | $2.38B | $339M |
| Forum Credit Union | IN | $2.31B | $300M |
| Liberty Credit Union | IN | $4.84B | $1.09B |
| Purdue Credit Union | IN | $2.13B | $479M |
| Everwise Credit Union | IN | $5.78B | $1.51B |
| Notre Dame Credit Union | IN | $1.39B | $329M |
| Elements Financial Credit Union | IN | $2.50B | $346M |
What we don't know
- Whether it is taking new loans today, or on what terms.
- Who can join. A credit union lends only to its members, and field of membership decides who qualifies.
- Whether it takes brokers. No figure here means no evidence, not a refusal.
- Credit union concentration ratios here are our own calculation against net worth. They are not a regulatory test or limit. Originations are Jan-Jun 2026 year to date.
- Combines this filer's call report with HMDA or SBA figures reported under another name or LEI of the same institution.
Check this page
Against the regulator's own record
- Name and charter. Three Rivers Credit Union, NCUA charter 159. Compare it with the regulator's record. [NCUA profile]
- Balances. $2.93B in total assets and $258M in commercial loans held, from the NCUA 5300 for June 30, 2026. [Source]
- Loans made. 27 real-estate-secured commercial loans made in the first half of 2026, from your NCUA Form 5300, and 83 loans in HMDA and SBA files, through September 30, 2026: 2 HMDA multifamily 2025, 2 HMDA multifamily 2024, 70 HMDA 1-4 unit investor 2025, 5 SBA 7(a) in 36 months, 4 SBA 504 first liens in 36 months. [How each file was tied to Three Rivers Credit Union]
- Phone and website. Phone 260-490-8328, from the NCUA record. Website 3riversfcu.org, from the NCUA record. [How to reach them]
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For the record
Data as of June 30, 2026. Page last changed November 11, 2026.
- Regulator
- National Credit Union Administration
- NCUA charter
- 159
- RSSD
- 899576
- LEI
- 549300ZBBGOL4MIK0L71
- The Lender Report ID
- lr_000621
- Main office county
- Allen
- Members
- 139,731
- NCUA region
- 2 - Southern
NCUA credit union details,
- Reported $2.9B in total assets as of June 30, 2026 (NCUA 5300).
- Held $257.9M of commercial and commercial real estate loans as of June 30, 2026 (NCUA 5300).
- Held $92.6M of owner-occupied commercial real estate loans as of June 30, 2026, up 5.8% from a year earlier (NCUA 5300).
- Held $85.6M of commercial and industrial loans as of June 30, 2026, up 3.1% from a year earlier (NCUA 5300).
- Held $51.5M of non-owner-occupied commercial real estate loans as of June 30, 2026 (NCUA 5300).
- Originated 2 multifamily loans totaling $4.3M in 2025 (HMDA).
8 more sentences
- Originated 2 multifamily loans totaling $1.1M in 2024 (HMDA).
- Originated 70 1-4 unit investor or business-purpose loans totaling $9M in 2025 (HMDA).
- Recorded 6 SBA 7(a) approvals totaling $946K from October 1, 2023 to September 30, 2026, of which 1 was later cancelled (SBA).
- Provided the first lien on 5 SBA 504 projects with $1.3M in first-lien dollars from October 1, 2023 to September 30, 2026, of which 1 was later cancelled (SBA).
- Originated 27 real-estate-secured commercial loans totaling $7.8M in the first half of 2026 (NCUA 5300).
- Bought $832K of commercial loan participations from January 1 to June 30, 2026 (NCUA 5300).
- Held $44M of nonmember commercial loans and participations as of June 30, 2026 (NCUA 5300).
- Listed 25 offices in 2 states (NCUA).
Cite this
Source: The Lender Report, Three Rivers Credit Union, https://lender.report/lender/three-rivers-credit-union-in/, data as of June 30, 2026.
Sources
- NCUA 5300, June 30, 2026
- NCUA 5300, June 30, 2025
- HMDA, 2025
- SBA FOIA, September 30, 2026
- NCUA 5300, June 30, 2026
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Work at Three Rivers Credit Union? Claim this page, free.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem