Side-by-side · Q2 2026 data
Arrow Bank National Association vs Saratoga'S Community Federal Credit Union
Credit union
Saratoga'S Community Federal Credit Union
Saratoga Spring, New York · Under $100 million in assets
Metric by metric
| Measure | Arrow Bank National Association | Saratoga'S Community Federal Credit Union |
|---|---|---|
| TellerScore | 66 (stronger) | 65 |
| Capital cushion | 43 (stronger) | 36 |
| Loan quality | 92 (stronger) | 89 |
| Earnings | 64 (stronger) | 63 |
| Funding & liquidity | 49 | 69 (stronger) |
| Problem-loan coverage | 96 (stronger) | 90 |
| Peer percentile | 40th | 30th |
| Total assets | $4.5B | $57.9M |
| Deposits / shares | $3.7B | $52.9M |
| Capital ratio | 9.33% (stronger) | 8.60% |
| Problem loans | 0.24% (stronger) | 0.33% |
| Net charge-offs | 0.09% (stronger) | 0.23% |
| Return on assets | 1.11% (stronger) | 1.08% |
| Loans ÷ deposits | 94.1% | 91.2% (stronger) |
| Uninsured deposits | 30.3% | 2.2% (stronger) |
| Offices | 54 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 20.5% | — |
Arrow Bank National Association has the higher TellerScore (66 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Arrow Bank National Association leads on 5 and Saratoga'S Community Federal Credit Union on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.