TellerScore

Saratoga'S Community Federal Credit Union is a federal credit union headquartered in Saratoga Spring, New York, in business for about 81 years. At the end of Q2 2026 it reported $57.9M in total assets and $52.9M in member shares and deposits, with 1 office.

Based on its Q2 2026 filing, Saratoga'S Community Federal Credit Union scores 65/100, which we describe as moderate. That is higher than only 30% of 2,479 credit unions with under $100 million in assets. Among 268 credit unions headquartered in New York, it ranks 172nd. Its strongest component is problem-loan coverage (90/100; 4.8%), and its lowest is capital cushion (36/100; 8.60%).

TellerScore · Q2 2026

Scorecard

Capital cushion36/100
Net worth ratio: 8.60%
Loan quality89/100
Loans 60+ days delinquent ÷ total loans: 0.33%
Earnings63/100
Return on assets (annualized): 1.08%
Funding & liquidity69/100
Loans ÷ shares: 91.2% · 2.2% uninsured
Problem-loan coverage90/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.76%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 4 points (69 → 65), mostly because the earnings component weakened by 29 points.

TellerScore
536271Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202453
Q3 202455
Q4 202455
Q1 202571
Q2 202569
Q3 202561
Q4 202558
Q1 202668
Q2 202665
Net worth ratio
7.00%7.80%8.60%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20247.23%
Q3 20247.35%
Q4 20247.26%
Q1 20258.25%
Q2 20258.20%
Q3 20257.97%
Q4 20258.02%
Q1 20268.56%
Q2 20268.60%
Delinquent loans (60+ days)
0.28%0.57%0.85%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.33%
Q3 20240.37%
Q4 20240.28%
Q1 20250.34%
Q2 20250.36%
Q3 20250.62%
Q4 20250.85%
Q1 20260.78%
Q2 20260.33%
Return on assets
0.31%2.13%3.96%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.31%
Q3 20240.41%
Q4 20240.31%
Q1 20253.96%
Q2 20251.81%
Q3 20251.24%
Q4 20251.04%
Q1 20261.96%
Q2 20261.08%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202665$57.9M8.60%0.33%1.08%91.2%
Q1 202668$59.2M8.56%0.78%1.96%90.5%
Q4 202558$59.2M8.02%0.85%1.04%92.5%
Q3 202561$58.5M7.97%0.62%1.24%94.4%
Q2 202569$59.1M8.20%0.36%1.81%92.3%
Q1 202571$56.6M8.25%0.34%3.96%95.5%
Q4 202455$57.2M7.26%0.28%0.31%93.7%
Q3 202455$55.7M7.35%0.37%0.41%97.6%
Q2 202453$56.2M7.23%0.33%0.31%102.6%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio8.60%
7th
Problem loans0.33%
66th
Net charge-offs0.23%
44th
Return on assets1.08%
71st
Loans to deposits91.2%
8th
Uninsured deposits2.2%
43rd
Loan-loss reserves0.00%
37th
Texas ratio4.8%
31st

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Deposit insurance

Is my money safe at Saratoga'S Community Federal Credit Union?

Yes. Saratoga'S Community Federal Credit Union is a federally insured credit union (NCUA charter #5252). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 2.2% of shares and deposits ($1.2M) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 8.60%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Saratoga'S Community Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Saratoga'S Community Federal Credit Union
Type
Federal credit union
NCUA charter #
5252
RSSD ID
726074
Primary regulator
NCUA
Established
1945
Headquarters
189 Ballston Ave, Saratoga Spring, NY 12866
Employees
17

Quick answers

Saratoga'S Community Federal Credit Union: common questions

Is Saratoga'S Community Federal Credit Union NCUA insured?

Yes. Saratoga'S Community Federal Credit Union is a federally insured credit union (NCUA charter #5252). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Saratoga'S Community Federal Credit Union's TellerScore?

65 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Saratoga'S Community Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

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