SARATOGA'S COMMUNITY
Saratoga Spring, NY · Federal Credit Union · Chartered in NY
Who can join
Employer / occupational group
Members
5,399
Net Worth Ratio
8.56%
min. 7% = Well Capitalized
Credit unions are exempt from CRA. The Community Reinvestment Act applies only to FDIC-insured banks and thrifts. Credit unions are regulated by NCUA and evaluated under a separate safety and soundness framework.
At a Glance
Total Assets
$59.2M
Peer Group 4
Members
5,399
as of latest quarter
Net Worth Ratio
8.56%
Well Capitalized
Institution Profile
NCUAWebsite
Phone
Address
Chartered
Branch Locations
Membership Eligibility
Financial Snapshot
Total Assets
$59.2M
Total Shares
$54.3M
Total Loans
$49.1M
Net Worth Ratio
8.56%
≥7% = Well Capitalized
Members
5,399
Delinquency Rate (60d+)
0.33%
$164K
Loan-to-share ratio: 90.5%· healthy range 60–80%
Branch Locations
NCUA189 Ballston Ave
189 Ballston Ave, Saratoga Springs, NY, 12866-4715
Mon-Fri 9am - 5pm Sat 9am - 1pm Sat 9am - 1pm Sun (closed)
444 Geyser Rd
444 Geyser Rd, Ballston Spa, NY, 12020
9-5 Monday - Friday9-1 Saturday
Mortgage Lending (HMDA)
Credit unions that originate mortgages report Home Mortgage Disclosure Act (HMDA) data to the CFPB. This data covers application volumes, approvals, denials, and borrower demographics.
Consumer Complaints
No CFPB complaint data available for this credit union.
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<a href="https://bankscorer.com/credit-union/saratogas-community" target="_blank" rel="noopener">View SARATOGA'S COMMUNITY on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.