TCT
Charter #12957 · BALLSTON SPA, NY · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.49% sits at the 25th percentile of structural peers — worth a closer look.
- Net interest margin of 3.50% sits at the 16th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.25% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.21% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 87.87% sits at the 84th percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | TCT | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $292.04M | 72th pct | 57th pct |
| Members | 14,607 | 57th pct | 34th pct |
| Net worth ratio | 9.49% | 21th pct | 25th pct |
| Return on average assets | 0.39% | 28th pct | 38th pct |
| Net interest margin | 3.50% | 41th pct | 16th pct |
| Cost of funds | 1.39% | 61th pct | 59th pct |
| Loan-to-share | 80.62% | 69th pct | 61th pct |
| Delinquency 60+ days | 0.25% | 18th pct | 5th pct |
| Net charge-off ratio | 0.21% | 33th pct | 21th pct |
| Loan growth YoY | -2.02% | 25th pct | 11th pct |
| Share growth YoY | 4.16% | 60th pct | 66th pct |
| Efficiency ratio | 87.87% | 80th pct | 84th pct |
structural peer set hash: ac90b437d3c46ea0184e0fb0da6b3586… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.