Side-by-side · Q2 2026 data
Saratoga'S Community Federal Credit Union vs Parks Heritage Federal Credit Union
Credit union
Saratoga'S Community Federal Credit Union
Saratoga Spring, New York · Under $100 million in assets
Credit union
Parks Heritage Federal Credit Union
Glens Falls, New York · Under $100 million in assets
Metric by metric
| Measure | Saratoga'S Community Federal Credit Union | Parks Heritage Federal Credit Union |
|---|---|---|
| TellerScore | 65 | 90 (stronger) |
| Capital cushion | 36 | 100 (stronger) |
| Loan quality | 89 | 91 (stronger) |
| Earnings | 63 | 66 (stronger) |
| Funding & liquidity | 69 | 94 (stronger) |
| Problem-loan coverage | 90 | 97 (stronger) |
| Peer percentile | 30th | 89th |
| Total assets | $57.9M | $42.3M |
| Deposits / shares | $52.9M | $35.3M |
| Capital ratio | 8.60% | 16.62% (stronger) |
| Problem loans | 0.33% | 0.28% (stronger) |
| Net charge-offs | 0.23% (stronger) | 0.26% |
| Return on assets | 1.08% | 1.15% (stronger) |
| Loans ÷ deposits | 91.2% | 65.8% (stronger) |
| Uninsured deposits | 2.2% (stronger) | 3.1% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Parks Heritage Federal Credit Union has the higher TellerScore (90 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Saratoga'S Community Federal Credit Union leads on 2 and Parks Heritage Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.