Applications / Mortgage Analytics / Lenders / New York / TCT Federal Credit Union / Competition
TCT Federal Credit Union
Ballston Spa, NY · Credit union · NCUA · $288 million assets · 72 loans in 2025
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72
loans originated, 2025
104
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Who TCT Federal Credit Union competes with, by dollars lent in 2025, in its five largest markets and the three it entered most recently. A Pareto chart puts the lenders in order of size and draws their running share, so the reader sees how concentrated each market is: where the line climbs steeply, a few lenders hold most of it.
FIG. 1 — ALBANY-SCHENECTADY-TROY, NY, 2025
TCT Federal Credit Union ranks 95th of 265 lenders in Albany-Schenectady-Troy, NY, with $3.6M lent: 0.1% of a $4.52B market.
Albany-Schenectady-Troy, NY is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and TCT Federal Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 54% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 2 — GLENS FALLS, NY, 2025
TCT Federal Credit Union ranks 44th of 145 lenders in Glens Falls, NY, with $2.3M lent: 0.4% of a $554.4M market.
Glens Falls, NY is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and TCT Federal Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 56% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 3 — NON-METRO NEW YORK, 2025
TCT Federal Credit Union ranks 305th of 377 lenders in non-metro New York, with $335K lent: 0.0% of a $3.97B market.
non-metro New York is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and TCT Federal Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 35% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
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TCT Federal Credit Union's data
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TCT Federal Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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