Feedback
Share
Link
Link copied!
Asset Brief
Tct Credit Union
Credit Union Finder
Table of Contents
Explore
Search
Asset Brief
More
About Asset Brief
Copyright © 2022 assetbrief.com and Spring Launch Media LLC. All Rights Reserved.

All content on this website ("the Site") is the property of Spring Launch Media LLC. The collection and assembly of content on this Site are the exclusive property of Spring Launch Media LLC and are protected by copyright and other intellectual property laws. Credit union and bank data is publicly sourced from the U.S. government. None are affiliated with Asset Brief. assetbrief.com is an independent, advertising-supported publisher. We work hard to keep our information accurate and up to date, but do not guarantee accuracy of information. You may see different information when you visit a specific product’s site. assetbrief.com does not warrant or assume any legal liability or responsibility for the accuracy, completeness, or usefulness of any information disclosed. assetbrief.com does not assume any responsibility for any aspect of financial decisions taken based on the contents provided on this Site. When considering offers, please review all Terms and Conditions with the offering institution. Our content is not intended to provide investment advice. assetbrief.com is compensated through display advertising and offers from our partners. Many or all of the products features may be from our partners, and advertising may impact on where, how, and the order in which products appear on this Site. AssetBrief does not include all companies or all available products. However, this does not influence our editorial content or our advice, which are based on industry knowledge and many many hours of research. assetbrief.com is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com.

Tct Credit Union Share
Link
Link copied!

Map Loading...
Overview Share
Link
Link copied!
Back to Top

Tct Credit Union is a federal credit union based in Ballston Spa, New York. It has been opened since 1959, for 63 years.

With around $212,760,000 in assets, Tct Credit Union is considered to be a very large credit union. It has 4 branches and 4 ATM locations.

About Share
Link
Link copied!
Address 416 Rowland Street
Ballston Spa, New York 12020
Website https://www.tctfcu.org
Phone (518) 884-7002
Fax (518) 884-7094
CEO Curt A. Cecala
President of the Board Peter Trombley
Services Offered
Score Card Share
Link
Link copied!
Back to Top
63 years
Years in business
Opened in 1959
Well Capitalized
Net worth classification
Source: NCUA
13,142 members
Membership type: Multiple common bond – primary educational
Above average number of members
239:1
Credit union member to staff ratio
239 per each FTE employee
Compared to 411:1 nationally
Tons of staff!
$212,758,287
Total assets
Above average
4 branches
Compared with an average of 4 nationally and 3 in New York
Above average number of branches
0.15%
Savings interest rate
Compared to 0.3% nationally
8.50%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches Share
Link
Link copied!
Back to Top
4 branches
Compared with an average of 4 nationally and 3 in New York
Above average number of branches
Tct Credit Union Branch Locations

Tct Credit Union: Milton
416 Rowland Street
Ballston Spa, New York 12020
ATM Available
Tct Credit Union: Cambridge
17 Gilbert Street
Cambridge, New York 12816
ATM Available
Tct Credit Union: Queensbury
4 Hunter Brook Lane
Queensbury, New York 12804
ATM Available
Tct Credit Union: Clifton Park
520 Vischer Ferry Road
Clifton Park, New York 12065
ATM Available
Members Share
Link
Link copied!
Back to Top
13,142 members
Membership type: Multiple common bond – primary educational
Above average number of members

With 13,142 members, the Tct Credit Union is considered to be a large credit union. It is larger than 75% of credit unions.

Fees Share
Link
Link copied!
Back to Top
$25
Average fee per member
The average fee per member at the Tct Credit Union is $25, which is low compared to most credit unions. This rate is lower than 69% of all credit unions.
Fees are lower than average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the Tct Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff Share
Link
Link copied!
Back to Top
239:1
Credit union member to staff ratio
239 per each FTE employee
Compared to 411:1 nationally
Tons of staff!
55 staff members
FTE (full-time equivalent)
7% of employees are part-time
53 full-time, 4 part-time

Tct Credit Union has 53 full-time staff members and 4 part-time staff members. The staff is predominantly comprised of full-time staff, at approximately 93% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. Tct Credit Union has around 239 members per staff, a very low ratio compared to other credit unions. This is a very well staffed credit union.

Assets Share
Link
Link copied!
Back to Top
$212,758,287
Total assets
Above average
Net worth Share
Link
Link copied!
Back to Top
Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
8.2%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases Share
Link
Link copied!
Back to Top
$12,780
Average loan and lease size
Loan & lease sizes are bigger than average. They are bigger than at 69% of credit unions.

Tct Credit Union holds a total of $166,930,000 in loans and leases, which is about $12,780 per member on average.

Savings interest rate Share
Link
Link copied!
Back to Top
0.15%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. Tct Credit Union pays 0.15%.

Loan rates Share
Link
Link copied!
Back to Top
8.50%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
9.20%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
6.34%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates Share
Link
Link copied!
Back to Top
2.94%
New car loan rate
Compared to 4.0% nationally
3.69%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates Share
Link
Link copied!
Back to Top
4.00%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
4.00%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally
5.75%
Other real estate loan rates
Compared to 0.9% nationally

More Credit Unions

See all...
Alliance Niagara Credit Union
Credit Union: Well Capitalized Sanborn, New York 1348.0 $16 million Well Capitalized
Att-Wyo Correctional Employees Credit Union
Credit Union: Well Capitalized Attica, New York 1911.0 $13 million Well Capitalized
Southern Baptist Church of New York Credit Union
Credit Union: Well Capitalized New York, New York 105.0 $175k Well Capitalized
New Covenant Dominion Credit Union
Credit Union: Well Capitalized Bronx, New York 381.0 $1 million Well Capitalized
Dannemora Credit Union
Credit Union: Well Capitalized Plattsburgh, New York 17193.0 $180 million Well Capitalized
Reliant Community Credit Union
Credit Union: Well Capitalized Sodus, New York 42525.0 $443 million Well Capitalized
M. C. T. Credit Union
Credit Union: Well Capitalized Amsterdam, New York 3546.0 $55 million Well Capitalized
Coxsackie Correctional Employee Credit Union
Credit Union: Well Capitalized Coxsackie, New York 589.0 $3 million Well Capitalized
Sidney Credit Union
Credit Union: Well Capitalized Sidney, New York 49979.0 $500 million Well Capitalized
Actors Credit Union
Credit Union: Well Capitalized New York, New York 23647.0 $218 million Well Capitalized

Other Credit Unions

See all...
State Cs Employees Credit Union
Credit Union: Well Capitalized Watertown, New York 2231.0 $19 million Well Capitalized
Westar Credit Union
Credit Union: Well Capitalized Camillus, New York 2803.0 $28 million Well Capitalized
Hopes Employees Credit Union
Credit Union: Well Capitalized Jamestown, New York 154.0 $642k Well Capitalized
I C S Credit Union
Credit Union: Well Capitalized Elma, New York 464.0 $2 million Well Capitalized
Great Neck School Employees Credit Union
Credit Union: Well Capitalized Great Neck, New York 463.0 $3 million Well Capitalized
Niagara Frontier Federal Municipal Credit Union
Credit Union: Well Capitalized Niagara Falls, New York 486.0 $3 million Well Capitalized
Berea Credit Union
Credit Union: Well Capitalized Brooklyn, New York 192.0 $110k Well Capitalized
Kenmore N. Y. Teachers Credit Union
Credit Union: Well Capitalized Buffalo, New York 3722.0 $46 million Well Capitalized
Church of The Master Credit Union
Credit Union: Well Capitalized New York, New York 315.0 $917k Well Capitalized
Seneca Nation of Indians Credit Union
Credit Union: Well Capitalized Irving, New York 1776.0 $3 million Well Capitalized

More Credit Unions

See all...
Ticonderoga Credit Union
Credit Union: Well Capitalized Ticonderoga, New York 9687.0 $106 million Well Capitalized
Afgm Enterprises Credit Union
Credit Union: Well Capitalized Cheektowaga, New York 1314.0 $12 million Well Capitalized
State Employees Credit Union
Credit Union: Well Capitalized Albany, New York 365906.0 $4 billion Well Capitalized
Focus First Credit Union
Credit Union: Well Capitalized Rochester, New York 1612.0 $16 million Well Capitalized
Tonawanda Valley Credit Union
Credit Union: Well Capitalized Batavia, New York 13467.0 $109 million Well Capitalized
Tri-County Credit Union
Credit Union: Well Capitalized Delevan, New York 856.0 $4 million Well Capitalized
Schenectady County Employees Credit Union
Credit Union: Well Capitalized Schenectady, New York 792.0 $4 million Well Capitalized
Cvph Employees Credit Union
Credit Union: Well Capitalized Plattsburgh, New York 1532.0 $9 million Well Capitalized
Brooklyn Cooperative Credit Union
Credit Union: Well Capitalized Brooklyn, New York 7009.0 $25 million Well Capitalized
Sloan Public Schools Credit Union
Credit Union: Well Capitalized Cheektowaga, New York 491.0 $2 million Well Capitalized

All of Asset Brief

See all...

Similar Credit Unions to Tct Credit Union

See all...
Tct Credit Union: Cambridge ATM
Credit Union ATM: 17 Gilbert Street
Cambridge, New York 12816
Tct Credit Union: Queensbury
Credit Union Branch: 4 Hunter Brook Lane
Queensbury, New York 12804 ATM Available
Tct Credit Union: Cambridge
Credit Union Branch: 17 Gilbert Street
Cambridge, New York 12816 ATM Available
Tct Credit Union
Credit Union: Well Capitalized Ballston Spa, New York 13142.0 $213 million Well Capitalized
Tct Credit Union: Clifton Park ATM
Credit Union ATM: 520 Vischer Ferry Road
Clifton Park, New York 12065
Service Credit Union Routing Number
Resource: Service Credit Union Routing Number Service Credit Union is a credit union based in Portsmouth, New Hampshire. Service Credit Union’s US routing number is 211489656.
Tct Credit Union: Milton ATM
Credit Union ATM: 416 Rowland Street
Ballston Spa, New York 12020
Glass City Credit Union: Main Office ATM
Credit Union ATM: 4 Hunter Brook Lane
Queensbury, New York 12804
Tct Credit Union: Milton
Credit Union Branch: 416 Rowland Street
Ballston Spa, New York 12020 ATM Available
Tct Credit Union: Clifton Park
Credit Union Branch: 520 Vischer Ferry Road
Clifton Park, New York 12065 ATM Available