Side-by-side · Q2 2026 data
Saratoga'S Community Federal Credit Union vs Rt Federal Credit Union
Credit union
Saratoga'S Community Federal Credit Union
Saratoga Spring, New York · Under $100 million in assets
Metric by metric
| Measure | Saratoga'S Community Federal Credit Union | Rt Federal Credit Union |
|---|---|---|
| TellerScore | 65 (stronger) | 63 |
| Capital cushion | 36 | 56 (stronger) |
| Loan quality | 89 (stronger) | 84 |
| Earnings | 63 (stronger) | 4 |
| Funding & liquidity | 69 | 100 (stronger) |
| Problem-loan coverage | 90 | 97 (stronger) |
| Peer percentile | 30th | 26th |
| Total assets | $57.9M | $59.2M |
| Deposits / shares | $52.9M | $52.6M |
| Capital ratio | 8.60% | 10.59% (stronger) |
| Problem loans | 0.33% (stronger) | 0.49% |
| Net charge-offs | 0.23% | -0.02% (stronger) |
| Return on assets | 1.08% (stronger) | -0.39% |
| Loans ÷ deposits | 91.2% | 42.1% (stronger) |
| Uninsured deposits | 2.2% (stronger) | 4.2% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Saratoga'S Community Federal Credit Union has the higher TellerScore (65 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Saratoga'S Community Federal Credit Union leads on 4 and Rt Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.