Credit union · NCUA insured
Salt City Federal Credit Union
Top CarrotA $117M credit union headquartered in Solvay, NY, with 7,032 members and 2 branches in New York. Best rates: CDs 4.10% and savings 0.35% APY.
Salt City Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 86% of U.S. banks and credit unions
#6 of 32 in Syracuse, NY metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Salt City Federal Credit Union
Salt City Federal Credit Union is based in Solvay, New York, and has been serving members since 1953.
- Headquarters
- 1753 Milton Ave, Solvay, NY 13209
- NCUA charter
- 8512
Branches
2 branches in New York
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New York
2 branches
- Solvay OfficeMain office1753 Milton Ave, Solvay, NY 13209Directions
- Valley Office4800 S Salina St, Syracuse, NY 13205Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 9.01% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.78% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.64% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $68 | $76 | — |
- CapitalNet worth ratio9.01%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.78%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.64%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$68Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Salt City Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.