Federal credit union · Saratoga Spring, New York · NCUA charter #5252
Saratoga's Community
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $59.2M
- Total assets
- 5,437
- Members
- 8.6%
- Net-worth ratio
Saratoga's Community scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $59.2M; members 5,437; net-worth ratio 8.56%; health rank #1,732 of 4,374; healthier than 60th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,732 of 4,374 health · 2025Q4Saratoga's Community · health 87/100 · $59.2M · 2025Q4
Call Report peers
Saratoga's Community in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Saratoga's Community vs every NCUA-scored credit union
Saratoga's Community sits in the busiest band, 85-89, alongside 857 other credit unions.
87 Top 40% higher than 60% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Saratoga's Community: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 92.55% here, 62.60% peer average (+29.95 pp).
- Net Worth Ratio trails the peer set - 8.56% here, 13.62% peer average (-5.06 pp).
Saratoga's Community: in-state Call Report ranks
- New York health ordinal: #101 of 272.
- By total assets, Saratoga's Community is #117 of 272 in New York.
- New York membership ordinal: #105 of 272.
- One place up in New York, PALISADES (#100) ties at 87/100; one place down, Niagara Regional (#102) ties at 87/100.
Saratoga's Community Call Report trajectory
Saratoga's Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.0% from $59.2M (2025Q4) to $59.2M (2026Q1).
- Net-worth ratio shifted +0.54 pp (8.02% → 8.56%).
At 8.56%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 87/100 score is built
Saratoga's Community gives up 13 points in total. Net Worth Ratio costs the most, 3.6 of its 30; Loan-to-Share Ratio loses the least, 1.1.
- Net Worth Ratio 26.4 pts
- Delinquency Rate 21.5 pts
- Return on Assets 12.0 pts
- Member Growth 13.2 pts
- Loan-to-Share Ratio 13.9 pts
Call Report ratios for Saratoga's Community
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.56% | -5.06 pp |
| Delinquency Rate | 0.85% | -0.11 pp |
| Return on Assets | 0.30% | -0.36 pp |
| Member Growth | 3.46% | - |
| Loan-to-Share Ratio | 92.55% | +29.95 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $59.2M | - |
| 2025Q4 | $59.2M | 5,437 |
| 2024Q4 | $57.2M | 5,255 |
| 2023Q4 | $55.2M | 5,289 |
Credit Union Details
- Charter Number
- 5252
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- New York
- City
- Saratoga Spring
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, Saratoga's Community runs 2 offices in 2 different cities.
| Office | City |
|---|---|
| 189 Ballston Ave (Main Office) | Saratoga Springs, NY |
| 444 Geyser Rd | Ballston Spa, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
More federally-insured credit unions based in New York, ordered by peer group match and asset size.
Cross-state Call Report peers for Saratoga's Community
Similar total assets
Similar health score
Using this data
- Saratoga's Community ranks #1,732 of 4,374 nationally on financial health and #101 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- ALCO is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with ALCO
Frequently Asked Questions
Is Saratoga's Community financially healthy?
On its 2025Q4 NCUA 5300 filing, Saratoga's Community scores 87/100 (Excellent), with a 8.56% net worth ratio and 0.85% of loans delinquent. It ranks #1,732 of 4,374 nationally on health and #101 of 272 in New York.
How does Saratoga's Community compare to other credit unions?
Saratoga's Community scores 87/100, higher than 60% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (92.55% vs 62.60%). Its widest shortfall is net worth ratio (8.56% vs 13.62%).
How can I join Saratoga's Community?
Saratoga's Community operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Saratoga's Community directly for the exact boundaries and application steps.
Is my money safe at Saratoga's Community?
Saratoga's Community is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Saratoga's Community's net worth ratio of 8.56% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.