Tct Federal Credit Union
Headquarters
416 Rowland St
Ballston Spa, NY 12020
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2024 Overview
General Credit Union Information
Tct is an NCUA insured institution located in Ballston Spa, NY. It was founded in 1959 and has approximately $299.5 millions in assets.
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 12957 |
| Date Established | 1959 |
| Assets | $299.50 million |
| Loans | $226.01 million |
| Deposits | $241.62 million |
| Capital | $25.89 million |
Field of Membership Restrictions
Membership is open to employees or students of the Ballston Spa Central School District or the Cambridge Central School District. Membership is also open to employees of the credit union's select employer group.
Deposit Rates - November 17, 2024
Your Current Location: Ohio, OH 43085
We do not yet have rates for Tct
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Loan Rates - November 17, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Tct
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 1835285 |
6.494% | 6.375% | 0.75 | $4,000 | $1,997 | Learn More |
NMLS ID: 1025894 |
6.868% | 6.750% | 1.00 | $3,884 | $2,076 | Learn More |
NMLS ID: 1907 |
7.181% | 7.125% | 0.63 | $1,802 | $2,156 | Learn More |
NMLS ID: 3030 |
7.225% | 7.125% | 1.00 | $3,200 | $2,156 | Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR 7.490 % After Intro: 7.490 % |
$0 |
Learn More
More Info |
Note to Tct
To upload and update your bank's rates please register.
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Branches
Below are Tct branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Tct Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 526.17 | A | View Lobby Hours | |
| 529.75 | B | View Lobby Hours | |
| 547.90 | C | View Lobby Hours | |
| 552.26 | D | View Lobby Hours |
Climate Policy and Initiatives
TCT is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
Tct Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Tct. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| Tct | U.S. Average |
|---|---|
| 2.43% | 5.83 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of June 30, 2024, Tct had $642,162 in non-current loans and $0 in owned assets. To cover these potential losses it had $25,889,673 in net worth and $547,330 in loans loss reserves. That gives it a Texas Ratio of 2.43%.
Net Worth
| Tct | U.S. Average |
|---|---|
| 8.64% | 13.93% |
Tct FCU has a net worth of 8.64% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Tct
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