TellerScore

Tct Federal Credit Union (NCUA charter #12957) is based in Ballston Spa, New York. Its Q2 2026 call report shows $295.6M in total assets and $267.3M in member shares and deposits and 4 offices.

Based on its Q2 2026 filing, Tct Federal Credit Union scores 61/100, which we describe as moderate. That is higher than only 24% of 1,341 credit unions with $100 million – $1 billion. Among 268 credit unions headquartered in New York, it ranks 197th. Its strongest component is problem-loan coverage (90/100; 5.0%), and its lowest is earnings (34/100; 0.34%).

TellerScore · Q2 2026

Scorecard

Capital cushion44/100
Net worth ratio: 9.45%
Loan quality78/100
Loans 60+ days delinquent ÷ total loans: 0.65%
Earnings34/100
Return on assets (annualized): 0.34%
Funding & liquidity80/100
Loans ÷ shares: 80.5% · 7.6% uninsured
Problem-loan coverage90/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.04%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 4 points (65 → 61), mostly because the loan quality component weakened by 14 points.

TellerScore
586265Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202458
Q3 202459
Q4 202459
Q1 202563
Q2 202565
Q3 202565
Q4 202563
Q1 202665
Q2 202661
Net worth ratio
7.00%8.30%9.60%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.64%
Q3 20248.83%
Q4 20249.19%
Q1 20259.33%
Q2 20259.39%
Q3 20259.60%
Q4 20259.54%
Q1 20269.49%
Q2 20269.45%
Delinquent loans (60+ days)
0.21%0.43%0.65%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.23%
Q3 20240.24%
Q4 20240.34%
Q1 20250.21%
Q2 20250.25%
Q3 20250.32%
Q4 20250.44%
Q1 20260.25%
Q2 20260.65%
Return on assets
0.06%0.30%0.54%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.06%
Q3 20240.14%
Q4 20240.15%
Q1 20250.29%
Q2 20250.41%
Q3 20250.54%
Q4 20250.51%
Q1 20260.39%
Q2 20260.34%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202661$295.6M9.45%0.65%0.34%80.5%
Q1 202665$292.0M9.49%0.25%0.39%80.6%
Q4 202563$287.7M9.54%0.44%0.51%84.4%
Q3 202565$283.7M9.60%0.32%0.54%85.7%
Q2 202565$284.1M9.39%0.25%0.41%83.4%
Q1 202563$281.8M9.33%0.21%0.29%88.2%
Q4 202459$283.8M9.19%0.34%0.15%94.6%
Q3 202459$295.3M8.83%0.24%0.14%96.2%
Q2 202458$299.5M8.64%0.23%0.06%93.5%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.45%
19th
Problem loans0.65%
52nd
Net charge-offs0.22%
67th
Return on assets0.34%
20th
Loans to deposits80.5%
39th
Uninsured deposits7.6%
33rd
Loan-loss reserves0.00%
50th
Texas ratio5.0%
39th

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Deposit insurance

Is my money safe at Tct Federal Credit Union?

Yes. Tct Federal Credit Union is a federally insured credit union (NCUA charter #12957). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 7.6% of shares and deposits ($20.4M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 9.45%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

Tct Federal Credit Union lists 4 offices in 4 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Tct Federal Credit Union reported 103 home-loan applications under HMDA (LEI 549300A23PXRZCMYM504): 72 originated ($6,190,000 total), 18 denied, and 13 withdrawn or closed by the applicant. Its denial rate on decided applications was 20.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Tct Federal Credit Union
Type
Federal credit union
NCUA charter #
12957
RSSD ID
58887
Primary regulator
NCUA
Established
1959
Headquarters
416 Rowland St, Ballston Spa, NY 12020
Employees
68

Quick answers

Tct Federal Credit Union: common questions

Is Tct Federal Credit Union NCUA insured?

Yes. Tct Federal Credit Union is a federally insured credit union (NCUA charter #12957). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Tct Federal Credit Union's TellerScore?

61 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Tct Federal Credit Union have?

4 offices as of the latest NCUA data.

Nearby

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