You need to do a series of tests.
1. Plug a computer directly into the modem.. (you will need to power cycle the modem to pass the public IP to the computer) and do a few download tests.
2. Plug the TC back into the modem.. (another power cycle of the modem). Do the test again from the same computer using ethernet to each of TC lan ports.. wireless off in the computer and the rest of the network shut down. You need to do this as quickly as you can so you are testing the hardware and not the current saturation of cable in your area. There will be some level of difference.. I would say 10% within testing. More than that points to an issue. If it has slowed dramatically on ethernet the TC should be replaced (at least as main router).
3. I doubt after this long the TM902A will be showing issues only with the TC.. it would also show issues to the computer so I don't think Tesserax #2 comment is something to over worry about.
4. If you get good speed over ethernet, now test the wireless. Wireless speeds can definitely get worse over time. The exact why is probably as simple as component failure. The Gen4 TC in particular do have board issues which can suddenly go bad.
A factory reset of the TC is always worth a go. I recommend the following.
Factory reset universal
Power off the TC.. ie pull the power cord or power off at the wall.. wait 10sec.. hold in the reset button.. be gentle.. power on again still holding in reset.. and keep holding it in for another 10sec. You may need some help as it is hard to both hold in reset and apply power. It will show success by rapidly blinking the front led. Release the reset.. and wait a couple of min for the TC to reset and come back with factory settings. If the front LED doesn’t blink rapidly you missed it and simply try again. The reset is fairly fragile in these.. press it so you feel it just click and no more.. I have seen people bend the lever or even break it. I use a toothpick as tool.
N.B. None of your files on the hard disk of the TC are deleted.. this simply clears out the router settings of the TC.
Setup the TC again.
Then redo the setup from the computer you want to use for TM using Airport Utility.
1. Use very short names.. NOT APPLE RECOMMENDED names. No spaces and pure alphanumerics.
eg TCgen5 for basestation and TCwifi wireless name.
If the wireless is still a problem set wireless names like TC24ghz and set the 5ghz to different name.. eg.TC5ghz
2. Use all passwords that also comply with 1. but can be a bit longer. ie 8-20 characters mixed case and numbers.. no non-alphanumerics.
**3. If the TC is main router you can skip this point. (It is in your case but is here for completeness) This is only an issue when the TC is bridged.
Ensure the TC always takes the same IP address.. you will need to do this on the main router using dhcp reservation.. or a bit more complex setup using static IP in the TC.
Ignore this point if you don't understand it .. post back if you have drop out issues.
4. Make sure IPv6 is set correctly in the computer. ie link-local only for ethernet and/or wireless depending on which you use. Auto is not good enough.
No luck then the TC is just showing itself to need replacement. The current TC is getting well past its due replacement date so if the TC is at least working ok for ethernet I would think about a different wireless router.