TCT
Federal • BALLSTON SPA, New York • Est. 1959
Quick Facts
- Charter Number
- #12957
- Type
- Federal
- Established
- 1959
- Headquarters
- BALLSTON SPA, New York 12020
- Address
- 416 ROWLAND ST
- Branches
- 4
- ATMs
- 4
- Members
- 14,589
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Well-capitalized with a healthy net worth ratio and solid financial fundamentals. A reliable institution with good long-term stability.
Financial Overview
Total Assets
Members
14,589 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | TCT |
|---|---|
| Total Assets | $287.7M |
| Members | 14,589 |
| Loans Outstanding | $218.2M |
| Shares & Deposits | $258.4M |
| Net Worth | $27.4M |
| Net Worth Ratio | 9.54% |
| Loan-to-Share Ratio | 84.4% |
| Delinquency Rate | 0.44% |
| Net Income | +$2,063,150 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
4 locations · 4 ATMs
Milton
Main Office416 Rowland St
Ballston Spa, NY 12020
Clifton Park
520 Vischer Ferry Rd
Clifton Park, NY 12065
Cambridge
17 Gilbert St
Cambridge, NY 12816-2614
Queensbury
4 Hunter Brook Ln
Queensbury, NY 12804-5858
Who Can Join TCT?
Membership Type: Community
Membership eligibility for TCT may vary. Contact the credit union directly to confirm qualification requirements.
Contact TCT directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View New York RankingsFrequently Asked Questions
Yes. TCT is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, TCT has 14,589 members and a potential membership field of 117,093 people.
TCT's net worth ratio is 9.54% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 9.5%, TCT meets this threshold.
TCT operates 4 branch locations and has access to 4 ATMs. The main office is located at 416 Rowland St, Ballston Spa, NY 12020.
TCT was established in 1959. It is a federal credit union chartered under charter number 12957. The institution has been serving members for 67 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or TCT. All financial data is for informational purposes only.