Ballston Spa, New York · Peer group 5
Tct Credit Union
Tct Credit Union holds $292.0M in assets across 14,607 members as of Q1 2026 — about $20K of assets per member, on a charter dating to 1959. Charter number 12957, in the $100M-$500M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $292.0M |
|---|---|
| Total loans | $213.4M |
| Total shares (deposits) | $264.7M |
| Net worth | $27.7M |
| Members | 14,607 |
| Assets per member | $20K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 3.6% | |
|---|---|---|
| Loans | -3.1% | around the 17th percentile of its peer group |
| Deposits | 6.0% | around the 73rd percentile of its peer group |
| Members | 1.0% | around the 66th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 80.6% | around the 69th percentile of its peer group |
|---|---|---|
| Net worth ratio | 9.5% | around the 21st percentile of its peer group |
| Return on assets | 0.39% | around the 29th percentile of its peer group |
| Delinquency ratio | 0.25% | around the 18th percentile of its peer group |
| Cash / assets | 2.5% | lower than 97% of its peer group |
| Borrowings / assets | 1.0% | around the 84th percentile of its peer group |
What this page does not show
Everything above is Tct Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within New York — the comparison set a peer ratio is measured against.
- Saint Lawrence Credit Union
Ogdensburg, NY
$267.7M · 13,338 members
- Access Credit Union
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$317.0M · 23,162 members
- Secny Credit Union
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$318.0M · 15,923 members
- Dannemora Credit Union
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- Niagara's Choice Credit Union
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$263.7M · 21,796 members
- People's Alliance Credit Union
Hauppauge, NY
$326.7M · 32,519 members
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