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
Call Report peers
TCT in the assets neighbourhood
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
TCT sits in the busiest band, 85-89, alongside 857 other credit unions.
88 Top 35% higher than 65% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in New York, NORTHERN (#83) ties at 88/100; one place down, Akron School Employees (#85) scores 87/100, 1 point lower.
How TCT's 5300 filing moved
TCT: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.5% from $287.7M (2025Q4) to $292.0M (2026Q1).
- Net-worth ratio shifted -0.05 pp (9.54% → 9.49%).
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
TCT gives up 12 points in total. Return on Assets costs the most, 5.2 of its 15; Delinquency Rate and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is TCT financially healthy?
TCT has a financial health score of 88/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,511 of 4,374 nationally on health and #84 of 272 in New York. Its net worth ratio is 9.49% and its delinquency rate 0.44%.
How does TCT compare to other credit unions?
TCT scores 88/100, higher than 65% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (84.43% vs 72.20%). Its widest shortfall is net worth ratio (9.49% vs 12.11%).
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?
TCT is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.