TCT Risk Solutions provides tools and consultation that improve the performance and sustainability of credit unions. Our Online tools address: (1) Liquidity, IRR Limits, ALM Simulation/Modeling and Concentration Risk (2) Credit Migration, CECL Compliant ALLL, Early Warning Signs of Loan Impairment and Delinquency Tracking (3) Loan and Deposit Pricing connected to the cost structure of the credit union. Our services incorporate consultation and training individualized to the needs of the specific credit union and staff. Our clients report a ROI from these tools as high as 10 to 1.
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We're committed to the success of our clients, and will help you overcome the toughest of obstacles.
Professional and proven—numerous credit unions have turned to TCT for the tools and education to help them succeed.
All of our tools are backed by the wisdom gained from being in business for twenty-eight years and counting.
Our core beliefs.
TCT was founded in 1987, and has operated successfully ever since on the following beliefs.
Don't just take our word for it.
"For 32 years I served as President/CEO of USU Charter Federal Credit Union. Of the latter 25 years, TCT provided management tools and consulting services to the credit union. Their solutions were creative, competent and responsive to our needs. The risk management tools were superior to products provided by TCT’s competitors. I heartily endorse TCT and Dr. Randy Thompson."
"WHFCU uses all the tools that TCT offers and it has made a huge difference for us. Over the past year, with the aid of TCT’s tools, we have increased loan volume and improved loan yield, while decreasing delinquencies and charge-offs. The TCT tools, they’re so easy to understand and apply. Every credit union would benefit from TCT tools and support."
"I’ve been working with the TCT for three years now. In the past, NCUA auditor(s) had been concerned for us, until one year, unknown to me, our auditor went to a conference where Randy Thompson gave a presentation. He was so receptive to Randy’s message, that he called me from the conference and said as long as I was working with TCT our Credit Union would not only be okay, it would thrive!"
"EICU's partnership with TCT has been invaluable to our organization. We are very active in utilizing TCT’s CostPro pricing models, Credit Migration, consulting and budgeting. I feel confident that EICU will hit our target goals because Dr. Thompson has created models that are statistically supported and ahead of the curve in terms of regulatory compliance. I highly recommend the services of TCT."
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