Tct
Tct is a credit union based in Ballston Spa, New York, established in 1959, with $292 million in total assets serving 14,607 members. By Trust Grade it ranks 213th of 267 credit unions we track in New York. Its net worth ratio of 9.5% trails most similarly sized credit unions (22th percentile), versus a New York median of 12%. It was profitable over the most recent period, with a 0.39% return on assets. No consumer complaints against Tct appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Tct compares to New York peers
How we graded Tct
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (9.5% capital ratio)
- Profitable (ROA 0.39%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Tct over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Tct insured?
Yes. Tct is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Tct: frequently asked questions
Is Tct a good credit union?
Tct earns a Bankzia Trust Grade of B (84/100, "Strong"), based on a financial-strength score of 84/100 (it has no CFPB complaints on record). Well-capitalized (9.5% capital ratio); Profitable (ROA 0.39%).
Is Tct NCUA-insured?
Yes. Tct is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Tct?
Tct holds $292 million in total assets, ranking 213th of 267 credit unions we track in New York. It serves 14,607 members.
Does Tct have CFPB complaints?
No CFPB complaints against Tct appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
