Headquartered in Saratoga Spring, New York, Stewart'S Federal Credit Union is a federal credit union with $47.3M in total assets and $42.8M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1983.
Stewart'S Federal Credit Union has a TellerScore of 61 out of 100 (moderate) based on Q2 2026 data — higher than only 23% of its 2,479 credit unions with under $100 million in assets. Among 268 credit unions headquartered in New York, it ranks 199th. Problem-loan coverage contributes the most (93/100, 3.7%); capital cushion contributes the least (39/100, 8.87%).
TellerScore · Q2 2026
Scorecard
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 (65 → 61), mostly because the earnings component weakened by 21 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 63 |
| Q3 2024 | 63 |
| Q4 2024 | 60 |
| Q1 2025 | 62 |
| Q2 2025 | 65 |
| Q3 2025 | 65 |
| Q4 2025 | 67 |
| Q1 2026 | 64 |
| Q2 2026 | 61 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 7.45% |
| Q3 2024 | 7.41% |
| Q4 2024 | 7.96% |
| Q1 2025 | 7.71% |
| Q2 2025 | 7.71% |
| Q3 2025 | 8.11% |
| Q4 2025 | 8.28% |
| Q1 2026 | 9.13% |
| Q2 2026 | 8.87% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.42% |
| Q3 2024 | 0.63% |
| Q4 2024 | 0.93% |
| Q1 2025 | 0.26% |
| Q2 2025 | 0.56% |
| Q3 2025 | 0.76% |
| Q4 2025 | 0.68% |
| Q1 2026 | 0.66% |
| Q2 2026 | 0.81% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.96% |
| Q3 2024 | 1.20% |
| Q4 2024 | 1.14% |
| Q1 2025 | 0.82% |
| Q2 2025 | 1.39% |
| Q3 2025 | 1.53% |
| Q4 2025 | 1.71% |
| Q1 2026 | 0.81% |
| Q2 2026 | 0.87% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 61 | $47.3M | 8.87% | 0.81% | 0.87% | 44.1% |
| Q1 2026 | 64 | $44.7M | 9.13% | 0.66% | 0.81% | 45.6% |
| Q4 2025 | 67 | $47.1M | 8.28% | 0.68% | 1.71% | 42.2% |
| Q3 2025 | 65 | $46.0M | 8.11% | 0.76% | 1.53% | 42.4% |
| Q2 2025 | 65 | $45.8M | 7.71% | 0.56% | 1.39% | 40.0% |
| Q1 2025 | 62 | $49.6M | 7.71% | 0.26% | 0.82% | 34.8% |
| Q4 2024 | 60 | $46.2M | 7.96% | 0.93% | 1.14% | 36.4% |
| Q3 2024 | 63 | $41.7M | 7.41% | 0.63% | 1.20% | 39.5% |
| Q2 2024 | 63 | $42.5M | 7.45% | 0.42% | 0.96% | 37.2% |
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).
Similar-size credit unions in New York
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Syracuse CooperativeCredit union Syracuse, NY | 61 out of 100, Moderate | $47.2M | 14.4% | 5.24% | vs |
| Genesee Co-Op Federal Credit UnionCredit union Rochester, NY | 78 out of 100, Strong | $47.5M | 23.4% | 1.55% | vs |
| Suny Fredonia Federal Credit UnionCredit union Fredonia, NY | 95 out of 100, Very strong | $48.3M | 18.7% | 0.63% | vs |
| Rochester & Monroe Co Emp Federal Credit UnionCredit union Rochester, NY | 64 out of 100, Moderate | $46.4M | 10.9% | 1.20% | vs |
| Affinity One Federal Credit UnionCredit union Jamestown, NY | 72 out of 100, Strong | $45.7M | 10.8% | 0.12% | vs |
| Sweet Home Federal Credit UnionCredit union Amherst, NY | 79 out of 100, Strong | $45.4M | 13.3% | 1.44% | vs |
Deposit insurance
Is my money safe at Stewart'S Federal Credit Union?
Yes. Stewart'S Federal Credit Union is a federally insured credit union (NCUA charter #24036). 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 41.5% of shares and deposits ($17.8M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 8.87%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Stewart'S Federal Credit Union lists 1 office in 1 city. Most locations:
- Ballston Spa, NY (1)
Identity & history
Profile
- Legal name
- Stewart'S Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 24036
- RSSD ID
- 690492
- Primary regulator
- NCUA
- Established
- 1983
- Headquarters
- PO Box 435, Saratoga Spring, NY 12866
- Employees
- 6
Quick answers
Stewart'S Federal Credit Union: common questions
Is Stewart'S Federal Credit Union NCUA insured?
Yes. Stewart'S Federal Credit Union is a federally insured credit union (NCUA charter #24036). 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 Stewart'S Federal Credit Union's TellerScore?
61 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 Stewart'S Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Saratoga Spring
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Stratton Air National Guard Federal Credit UnionCredit union Scotia, NY | 94 out of 100, Very strong | $920K | 39.3% | 0.00% | vs |
| M. C. T. Federal Credit UnionCredit union Amsterdam, NY | 94 out of 100, Very strong | $73.3M | 14.4% | 0.41% | vs |
| Troy Federal Credit UnionCredit union Troy, NY | 80 out of 100, Strong | $3.7M | 15.8% | 0.33% | vs |
| Bank of GreeneBank Catskill, NY | 77 out of 100, Strong | $3.2B | 9.9% | 0.23% | vs |
| Hudson River Community Federal Credit UnionCredit union Corinth, NY | 77 out of 100, Strong | $364.2M | 15.3% | 1.17% | vs |
| Chemung Canal Trust Company, National AssociationBank Elmira, NY | 72 out of 100, Strong | $2.8B | 11.4% | 0.38% | vs |