Federal credit union · BALLSTON SPA, New York · NCUA charter #12957
TCT
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $287.7M
- Total assets
- 14,589
- Members
- 9.5%
- Net-worth ratio
TCT scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $287.7M; members 14,589; net-worth ratio 9.49%; health rank #1,511 of 4,374; healthier than 65th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,511 of 4,374 health · 2025Q4TCT · health 88/100 · $287.7M · 2025Q4
- BOOK 88/100
- CHARTER 9.5%
- NCUSIF 0.44%
- CAMELS 0.15%
- HEALTH $287.7M
- NW 14,589
- DELQ #1,511/4,374
- ROA OTIS
- ASSETS 12957
Call Report peers
TCT in the assets neighbourhood
TCT's $287.7M assets sit next to OTIS ($288.4M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
TCT vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
88 Top 35% higher than 65% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
TCT - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #12957. See our deposit-insurance coverage note.
Where TCT diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 84.43% here, 72.20% peer average (+12.23 pp).
- Net Worth Ratio trails the peer set - 9.49% here, 12.11% peer average (-2.62 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
TCT: in-state Call Report ranks
- New York health ordinal: #84 of 272.
- Assets rank #50 of 272 inside New York ($287.7M reported).
- Member book place in New York: #54 of 272.
In-state ordinals use the live credit_unions table for NY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How TCT's 5300 filing moved
TCT: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.5% from $287.7M (2025Q4) to $292.0M (2026Q1).
- Net-worth ratio shifted -0.05 pp (9.54% → 9.49%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 9.49% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 88/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 88.
- Net Worth Ratio 28.7 pts
- Delinquency Rate 25.0 pts
- Return on Assets 9.8 pts
- Member Growth 10.0 pts
- Loan-to-Share Ratio 14.5 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.49% | -2.62 pp |
| Delinquency Rate | 0.44% | -0.46 pp |
| Return on Assets | 0.15% | -0.47 pp |
| Member Growth | 0.83% | - |
| Loan-to-Share Ratio | 84.43% | +12.23 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
TCT quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $292.0M | - |
| 2025Q4 | $287.7M | 14,589 |
| 2024Q4 | $283.8M | 14,469 |
| 2023Q4 | $289.9M | 14,382 |
Credit Union Details
- Charter Number
- 12957
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- New York
- City
- BALLSTON SPA
- Data Quarter
- 2025Q4
Branch Locations (4)
The NCUA branch filing lists 4 physical offices for TCT, spread across 4 cities.
| Office | City |
|---|---|
| Milton (Main Office) | Ballston Spa, NY |
| Cambridge | Cambridge, NY |
| Clifton Park | Clifton Park, NY |
| Queensbury | Queensbury, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
More federally-insured credit unions based in New York, ordered by peer group match and asset size.
Other-state peers near TCT
Two NCUA Call Report peer sets for TCT, both outside New York so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($287.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (88/100 here).
Using this data
- TCT ranks #1,511 of 4,374 nationally on financial health and #84 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- ACCESS is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with ACCESS
- Rates and health both vary by institution, not just by state -- see how New York credit unions compare overall before assuming this one is typical. New York state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is TCT financially healthy?
TCT has a financial health score of 88/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,511 of 4,374; by total assets it ranks #1,054 of 4,374 nationally (same basis as /rankings/largest); and #50 of 272 within New York. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 9.49% and delinquency rate of 0.44%.
How does TCT compare to other credit unions?
PlainCU's health composite puts TCT at 88/100, compared to a peer group average for $100M–$500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join TCT?
TCT operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact TCT directly for the exact boundaries and application steps.
Is my money safe at TCT?
Federal credit unions like TCT are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. TCT's net worth ratio of 9.49% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does TCT offer compared to banks?
Credit unions like TCT are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact TCT directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.