TCT Credit Union Profile

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TCT

Charter #12957 | NCUA Region 1 | FCU
Low-Income Designation: No
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (518) 884-7002

Fax: (518) 884-7094

Founding Date: N/A

Website: https://www.tctfcu.org

Personnel & Operations

President: Trombley, Peter

Manager: Cecala, Curt

FT Employees: 62

PT Employees: 1

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 34

Branches: 4

Hours: 9-5

Credit Union Profile Summary

TCT is a FCU Credit Union. With a total of 14,547 members [1], this institution manages approximately $284,112,093 in total assets [1]. It does not currently hold a Low-Income Designation. Key financial indicators show a solid Net Worth Ratio of 9.39% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -3.47% [1].

Financial Snapshot

Total Assets [1]
$284,112,093

Total economic resources.

Total Loans [1]
$218,158,544

Total value of outstanding loans.

Total Deposits [1]
$261,607,285

Total funds deposited by members.

Members [1]
14,547

Number of active members.

Performance Ratios

Net Worth Ratio [1]
9.39%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
0.41%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
83.39%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↓ -5.14%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↓ -3.47%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↑ 0.81%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

416 ROWLAND ST

BALLSTON SPA, NY, 12020
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

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Branch Locations

Found 4 branches reported by TCT (Charter #12957).

Main Office

Milton Main Office

Type: Corporate Office

416 Rowland St

Ballston Spa, NY 12020

Phone: (518) 884-7002

Services: Member Services, ATM, Drive-Thru

Open in Directions

Additional Branches

Cambridge

Cambridge

Type: Branch Office

17 Gilbert St

Cambridge, NY 12816-2614

Phone: (518) 677-2676

Services: Member Services, ATM, Drive-Thru

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Clifton Park

Clifton Park

Type: Branch Office

520 Vischer Ferry Rd

Clifton Park, NY 12065

Phone: (518) 383-0106

Services: Member Services, ATM, Drive-Thru

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Queensbury

Queensbury

Type: Branch Office

4 Hunter Brook Ln

Queensbury, NY 12804-5858

Phone: (518) 793-1958

Services: Member Services, ATM, Drive-Thru

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