Credit union · NCUA insured
Saratoga's Community Federal Credit Union
A $59.2M credit union headquartered in Saratoga Springs, NY, with 5,399 members and 2 branches in New York. Best rates: CDs 2.50% and savings 0.40% APY.
Saratoga's Community Federal Credit Union Carrot Score
64
Carrot Score
Higher than 10% of U.S. banks and credit unions
#18 of 25 in Albany, NY metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Saratoga's Community Federal Credit Union
- Headquarters
- 189 Ballston Ave, Saratoga Springs, NY 12866-4715
- NCUA charter
- 5252
Branches
2 branches in New York
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New York
2 branches
- 189 Ballston AveMain office189 Ballston Ave, Saratoga Springs, NY 12866Directions
- 444 Geyser Rd444 Geyser Rd, Ballston Spa, NY 12020Directions
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 | 8.60% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.33% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.07% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $91 | $59 | — |
- CapitalNet worth ratio8.60%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.33%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.07%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$91Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million 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 Saratoga's Community 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.