Federal credit union · Saratoga Spring, New York · NCUA charter #24036
STEWART'S
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $47.1M
- Total assets
- 4,367
- Members
- 9.1%
- Net-worth ratio
STEWART'S scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $47.1M; members 4,367; net-worth ratio 9.13%; health rank #1,008 of 4,374; healthier than 77th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,008 of 4,374 health · 2025Q4STEWART'S · health 91/100 · $47.1M · 2025Q4
- CAMELS 91/100
- HEALTH 9.1%
- NW 0.68%
- DELQ 1.12%
- ROA $47.1M
- ASSETS 4,367
- MEM #1,008/4,374
- RANK Prr South Fork
- PHOTO 24036
Call Report peers
STEWART'S in the assets neighbourhood
STEWART'S's $47.1M assets sit next to Prr South Fork ($47.2M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
STEWART'S vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
91 Top 23% higher than 77% 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
STEWART'S - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #24036: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Peer-gap read for STEWART'S
- Delinquency Rate leads the peer set - 0.68% here, 1.15% peer average (-0.46 pp).
- Largest lag: Loan-to-Share Ratio at 42.21% vs peer 59.80% (-17.59 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
STEWART'S in New York
- New York health ordinal: #55 of 272.
- By total assets, STEWART'S is #131 of 272 in New York.
- Membership ranks #116 of 272 among New York CUs with a reported count (4,367 members).
In-state ordinals use the live credit_unions table for NY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
STEWART'S Call Report trajectory
STEWART'S: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -5.1% from $47.1M (2025Q4) to $44.7M (2026Q1).
- Net-worth ratio shifted +0.85 pp (8.28% → 9.13%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 9.13%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 91/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 91.
- Net Worth Ratio 27.8 pts
- Delinquency Rate 23.2 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 10.0 pts
STEWART'S health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.13% | -5.73 pp |
| Delinquency Rate | 0.68% | -0.46 pp |
| Return on Assets | 1.12% | +0.42 pp |
| Member Growth | 8.09% | - |
| Loan-to-Share Ratio | 42.21% | -17.59 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Call Report history - STEWART'S
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $44.7M | - |
| 2025Q4 | $47.1M | 4,367 |
| 2024Q4 | $46.2M | 4,040 |
| 2023Q4 | $51.4M | 3,639 |
Credit Union Details
- Charter Number
- 24036
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- New York
- City
- Saratoga Spring
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, STEWART'S runs one office.
| Office | City |
|---|---|
| Stewart's FCU (Main Office) | Ballston Spa, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
Other federally-insured credit unions in New York, closest first by peer group and asset size.
Other-state peers near STEWART'S
Cross-state asset and health neighbours for STEWART'S - kept outside New York; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($47.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (91/100 here).
Using this data
- STEWART'S ranks #1,008 of 4,374 nationally on financial health and #55 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Genesee Co-Op is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Genesee Co-Op
- Rates and health both vary by institution, not just by state -- see how New York credit unions compare overall before assuming this one is typical. New York state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is STEWART'S financially healthy?
STEWART'S has a financial health score of 91/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,008 of 4,374; by total assets it ranks #2,448 of 4,374 nationally (same basis as /rankings/largest); and #131 of 272 within New York. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 9.13% and delinquency rate of 0.68%.
How does STEWART'S compare to other credit unions?
Five weighted metrics from NCUA filings produce STEWART'S's 91/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join STEWART'S?
STEWART'S 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 STEWART'S directly for the exact boundaries and application steps.
Is my money safe at STEWART'S?
Federal credit unions like STEWART'S are 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. STEWART'S's net worth ratio of 9.13% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does STEWART'S offer compared to banks?
Credit unions like STEWART'S are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact STEWART'S directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.