Charter 12957 · Ballston Spa, NY
Tct Federal Credit Union
Tct Federal Credit Union is a federally chartered credit union in Ballston Spa, New York, with $296 million in assets and 14,593 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 9.45%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $296 million
- +4.1% in a year
- Members
- 14,593
- +0.3% in a year
- Net worth ratio
- 9.45%
- Peer median 11.65%
- Loans 60+ days late
- 0.65%
- Peer median 0.70%
- Loans outstanding
- $215 million
- -1.4% in a year
- Shares and deposits
- $267 million
- +2.2% in a year
- Branches
- 4
- 68 employees
- Opened
- 1959
- Federal charter
How Tct Federal Credit Union compares
NCUA groups credit unions by size; Tct Federal Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 9.45% is lower than that group's median of 11.65%, and its share of loans 60 or more days past due, 0.65%, is about the same as the group median of 0.70%. Loans fell 1.4% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 50 of 268 credit unions headquartered in New York. See all New York credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $296 million | 14,593 | $215 million | 9.45% | 0.65% |
| Q1 2026 | $292 million | 14,607 | $213 million | 9.49% | 0.25% |
| Q4 2025 | $288 million | 14,589 | $218 million | 9.54% | 0.44% |
| Q3 2025 | $284 million | 14,531 | $218 million | 9.60% | 0.32% |
| Q2 2025 | $284 million | 14,547 | $218 million | 9.39% | 0.25% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 117,093 potential members.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 4 sites for Tct Federal Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Milton (main office)
416 Rowland St, Ballston Spa, NY 12020 - Clifton Park
520 Vischer Ferry Rd, Clifton Park, NY 12065 - Cambridge
17 Gilbert St, Cambridge, NY 12816 - Queensbury
4 Hunter Brook Ln, Queensbury, NY 12804
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology