TCT
Ballston Spa, NY · Charter 12957 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
$295.6MAssets
$215.1MLoans
$267.3MShares
$27.9MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 50% of credit unions under $1B in assets (rank 842 of 1682).
- Widest gap: equity / assets trails 85% of credit unions under $1B in assets (rank 1434 of 1683).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.34%
Rank 1,275 of 1,683
Net Interest Margin
3.50%
Rank 1,125 of 1,683
Efficiency Ratio
87.43%
Rank 1,282 of 1,682
Equity / Assets
9.45%
Rank 1,434 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.34% | 0.35% | 0.74% | 1.18% | Beats 24% | 1,275 / 1,683 | | |
| Return on Equity | 3.60% | 2.67% | 5.89% | 8.74% | Beats 32% | 1,140 / 1,681 | | |
| Net Interest Margin | 3.50% | 3.31% | 3.82% | 4.32% | Beats 33% | 1,125 / 1,683 | | |
| Efficiency Ratio | 87.43% | 68.91% | 78.20% | 86.93% | Beats 24% | 1,282 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.65% | 0.26% | 0.65% | 1.29% | Beats 50% | 842 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.45% | 10.44% | 12.89% | 16.53% | Beats 15% | 1,434 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.45% | 10.44% | 12.89% | 16.53% | Beats 15% | 1,434 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 80.46% | 52.61% | 69.38% | 83.50% | 70th pctl | 502 / 1,683 | | |
| Loans / Assets | 72.75% | 44.71% | 59.18% | 70.72% | 80th pctl | 343 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |