TCT
Ballston Spa, NY · Federal Credit Union · Chartered in NY
Who can join
Occupational / select employee group
Members
14,607
Net Worth Ratio
9.49%
min. 7% = Well Capitalized
Credit unions are exempt from CRA. The Community Reinvestment Act applies only to FDIC-insured banks and thrifts. Credit unions are regulated by NCUA and evaluated under a separate safety and soundness framework.
At a Glance
Total Assets
$292.0M
Peer Group 5
Members
14,607
as of latest quarter
Net Worth Ratio
9.49%
Well Capitalized
Institution Profile
NCUAWebsite
Phone
Address
Chartered
Branch Locations
Membership Eligibility
Financial Snapshot
Total Assets
$292.0M
Total Shares
$264.7M
Total Loans
$213.4M
Net Worth Ratio
9.49%
≥7% = Well Capitalized
Members
14,607
Delinquency Rate (60d+)
0.20%
$427K
Loan-to-share ratio: 80.6%· healthy range 60–80%
Branch Locations
NCUAMilton
416 Rowland St, Ballston Spa, NY, 12020
9-5
Clifton Park
520 Vischer Ferry Rd, Clifton Park, NY, 12065
9-5
Cambridge
17 Gilbert St, Cambridge, NY, 12816-2614
9-5
Queensbury
4 Hunter Brook Ln, Queensbury, NY, 12804-5858
9-5
Mortgage Lending (HMDA)
Credit unions that originate mortgages report Home Mortgage Disclosure Act (HMDA) data to the CFPB. This data covers application volumes, approvals, denials, and borrower demographics.
Consumer Complaints
No CFPB complaint data available for this credit union.
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<a href="https://bankscorer.com/credit-union/tct" target="_blank" rel="noopener">View TCT on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.