Tct

BALLSTON SPA, NY · 1 · Charter #12957 · www.tctfcu.org
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$287.7M
13th percentile
Members
14,589
9th percentile
Total loans
$218.2M
27th percentile
Total shares
$250.6M
13th percentile

Profitability

Return on assets
0.47%
17th percentile
Net interest margin
3.35%
41th percentile
Efficiency ratio
63.44%
31th percentile
Non-interest income ratio
16.34%
33th percentile

Capital & Risk

Net worth ratio
9.54%
27th percentile
Delinquency rate
0.44%
76th percentile
Net charge-off rate
0.19%
78th percentile
Loan-to-share
87.08%
68th percentile

Growth

Member growth YoY
0.83%
54th percentile
Asset growth YoY
1.38%
20th percentile
Loan growth YoY
-2.59%
15th percentile
Share growth YoY
6.44%
66th percentile

Operations

Members / branch
3,647
29th percentile
Assets / member
$19,720
74th percentile
Field of membership penetration
12.46%
77th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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