Financial Metrics Comparison
| Metric | ACCESS | TCT |
|---|---|---|
| Health Score 0–100, higher is better | 76 | 76 |
| Total Assets | $307.0M | $287.7M |
| Members | 23,172 | 14,589 |
| Net Worth Ratio Higher = better capitalized (≥7% = "well capitalized") | 9.10% | 9.54% |
| Delinquency Rate Lower = fewer past-due loans | 0.29% | 0.44% |
| Return on Assets (ROA) Higher = more profitable | 0.000% | 0.000% |
| Loan-to-Share Ratio Higher = more loans deployed vs deposits | 55.00% | 84.43% |
| Member Growth Year-over-year membership change | 0.2% | 0.8% |
Teal/bold = better performer on that metric. Financial ratios from most recently reported NCUA quarter.
Membership & Structure
| Detail | ACCESS | TCT |
|---|---|---|
| Location | CLINTON, NY | BALLSTON SPA, NY |
| Charter Type | Federal | Federal |
| Field of Membership | Community | Community |
| Peer Group | $100M–$500M | $100M–$500M |
| Charter Number | 5579 | 12957 |
What This Comparison Says About ACCESS vs TCT
ACCESS (CLINTON, NY) and TCT (BALLSTON SPA, NY) are both federally-insured credit unions reporting quarterly to the NCUA, but they differ meaningfully in scale and profile. ACCESS holds $307.0M in assets across 23,172 members, while TCT holds $287.7M across 14,589 members. Both institutions post health scores of 76/100 and 76/100, a narrow spread that suggests similar overall financial profiles despite differences in size. Charter numbers 5579 and 12957 indicate entirely separate NCUA supervisory records; they operate under peer groups $100M–$500M and $100M–$500M respectively.
Capital adequacy is the first check: ACCESS's net worth ratio of 9.10% clears the NCUA's 7.0% "well capitalized" bar, while TCT posts 9.54%. Loan quality — measured as loans 60+ days past due over total loans — comes in at 0.29% for ACCESS and 0.44% for TCT; lower is tighter. Earnings efficiency (ROA) shows 0.000% versus 0.000%, though credit unions as not-for-profit cooperatives often report ROA near zero by design, returning surplus to members through rates and dividends. Loan-to-share ratios of 55.00% and 84.43% indicate how each institution deploys member deposits — the 60–80% band is generally considered the balanced-liquidity window by industry analysts.
Both credit unions are covered by NCUSIF federal insurance up to $250,000 per depositor per ownership category, the same limit as FDIC coverage at banks — so the comparison here is about financial efficiency and member experience, not deposit safety. Before joining either institution, verify the field of membership: ACCESS is currently defined as "Community" and TCT as "Community", and eligibility rules (employer, geography, association) determine who can actually open accounts. Current deposit rates, loan APRs, fees, and product availability change continuously and are not reflected in quarterly Call Report data — contact each credit union directly before opening accounts or borrowing. This comparison is informational only and is not financial advice, an endorsement, or a solicitation; credit union performance can shift materially quarter to quarter and should be re-evaluated with current reports before making any decision.
What to Consider When Choosing
Net Worth Ratio: The NCUA requires credit unions to maintain a net worth ratio of at least 7% to be considered "well capitalized." ACCESS shows 9.10% vs TCT at 9.54%. Higher ratios indicate stronger financial buffers.
Delinquency Rate: Measures the percentage of loans that are 60+ days past due. Lower delinquency rates indicate tighter underwriting and lower credit risk. ACCESS: 0.29% — TCT: 0.44%.
Return on Assets: ROA measures how efficiently a credit union generates income from its assets. Industry benchmark is typically 0.50–0.70%. Both values here may be close to zero since credit unions are not-for-profit and return value to members through lower rates and higher dividends.
Membership eligibility: Check each credit union's field of membership before applying. Many restrict membership by employer, geography, or community affiliation.