D
Saratoga's Community Federal Credit Union
Rating Date
September 2025
Net Capital
Ratio
7.75
Leverage
Ratio
7.80
Return On
Assets
1.86%
Total
Assets
59.06M
Capital
4.58M
Total
Deposits
54.58M
Net
Income
535.00K
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Weiss Ratings Saratoga's Community Federal Credit Union
Saratoga Springs, NY 		Click to
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Rating D
Asset Quality Index 7.60
Capitalization Index 5.40
Liquidity Index 2.40
Profitability Index 7.50
Stability Index 2.60
Company Info Saratoga's Community Federal Credit Union
Saratoga Springs, NY 		Click to
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NCUA Charter Number 1272
Phone Number (518) 583-2323
Website www.saratogafcu.org
Asset Quality Saratoga's Community Federal Credit Union
Saratoga Springs, NY 		Click to
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1-Year Asset Growth 5.10%
5-Year Asset Growth 8.03%
5-Year Charge-Offs to Average Loans 0.17%
Charge-Offs to Average Loans 0.30%
Non-Performing Assets to Assets 0.30%
Non-Performing Loans to Capital 3.83%
Non-Performing Loans to Loans 0.36%
Balance Sheet Saratoga's Community Federal Credit Union
Saratoga Springs, NY 		Click to
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Total Assets 59.06M
Total Deposits 54.58M
Capital and Reserves Saratoga's Community Federal Credit Union
Saratoga Springs, NY 		Click to
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Capital 4.58M
Leverage Ratio 7.80
Loan Loss Reserves to Loans 0.19%
Liquidity Saratoga's Community Federal Credit Union
Saratoga Springs, NY 		Click to
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Hot Money Ratio 7.22%
Liquidity Ratio 11.14%
Profitability Saratoga's Community Federal Credit Union
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5-Year Return on Average Assets 0.43%
Net Income 535.00K
Net Interest Spread 4.28%
Operating Profit to Average Assets 2.06%
Overhead Efficiency Ratio 70.60%
Return on Assets 1.86%
Return on Equity 24.01%