Converting numbers to times...Too many arguments in "if statement" (Google Sheets)

I am trying to have numbers converted to times in Google Sheets (ex. "14325" to "1:43.25" & "5505" to "55.05").

I am trying to get it to work for both times over a minute and under a minute. I have got two formulas to work independently ( =if(D4<99999,"00:0"&(LEFT(D4,1)&":"&(MID(D4,2,2)&"."&(RIGHT(D4,2)))),"00:"&(LEFT(D4,2)&":"&(MID(D4,3,2)&"."&(RIGHT(D4,2))))) and =IF(H6<6000,"00:00:"&(LEFT(H6,2)&"."&(RIGHT(H6,2)))) ).

When I try to put them together ( =if(H13<99999,"00:0"&(LEFT(H13,1)&":"&(MID(H13,2,2)&"."&(RIGHT(H13,2)))),IF(H13<6000,"00:00:"&(LEFT(H13,2)&"."&(RIGHT(H13,2)))),("00:"&(LEFT(H13,2)&":"&(MID(H13,3,2)&"."&(RIGHT(H13,2)))))) ) I get an error of too many arguments in the if statement.

There may be a totally easier way to do this (I'm still learning formulas...)

Any ideas?