Credit union · NCUA insured
Stewart's Federal Credit Union
A $44.7M credit union headquartered in Ballston Spa, NY, with 4,408 members and 1 branch in New York. Best rates: CDs 3.25% and savings 1.75% APY.
Stewart's Federal Credit Union Carrot Score
75
Carrot Score
Higher than 38% of U.S. banks and credit unions
#11 of 25 in Albany, NY metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Stewart's Federal Credit Union
Founded in 1983, Stewart's Federal Credit Union is a member-owned financial institution created to serve employees of Stewart's Shops and their families.
The credit union is located in Ballston Spa, New York.
- Headquarters
- 2911 State Route 9, Ballston Spa, NY 12020
- NCUA charter
- 24036
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees and dairy producers of Stewart's Shops Corp are eligible for membership.
Family and household
- Families of employees and dairy producers of Stewart's Shops Corp are eligible for membership.
Branches
1 branch in New York
Loading map…
New York
1 branch
- Stewart's FCUMain office2911 State Route 9, 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 | 8.87% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.81% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.87% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $44 | $59 | — |
- CapitalNet worth ratio8.87%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.81%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.87%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$44Peers’ 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 Stewart's 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.