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
- 14,607
- Membership Type
- Community
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
Under CUScore's rules, this institution reports a net worth ratio of at least 8% and a delinquency rate below 1.5%. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
14,607 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | TCT |
|---|---|
| Total Assets | $292.0M |
| Members | 14,607 |
| Loans Outstanding | $213.4M |
| Shares & Deposits | $264.7M |
| Net Worth | $27.7M |
| Net Worth Ratio | 9.49% |
| Loan-to-Share Ratio | 80.6% |
| Delinquency Rate | 0.25% |
| Net Income | +$0 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
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.
Find More Credit Unions in New York
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View New York RankingsFrequently Asked Questions
TCT is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, TCT has 14,607 members and a potential membership field of 117,093 people.
TCT's reported net worth ratio is 9.49% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
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 (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or TCT. All financial data is for informational purposes only.