C
Saratoga's Community Federal Credit Union
Rating Date
December 2025
Net Capital
Ratio
7.84
Leverage
Ratio
7.89
Return On
Assets
1.25%
Total
Assets
58.54M
Capital
4.59M
Total
Deposits
54.07M
Net
Income
544.00K
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Weiss Ratings Saratoga's Community Federal Credit Union
Saratoga Springs, NY 		Click to
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Rating C
Asset Quality Index 6.50
Capitalization Index 5.50
Liquidity Index 2.20
Profitability Index 7.90
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 5.03%
5-Year Asset Growth 8.03%
5-Year Charge-Offs to Average Loans 0.17%
Charge-Offs to Average Loans 0.27%
Non-Performing Assets to Assets 0.54%
Non-Performing Loans to Capital 6.76%
Non-Performing Loans to Loans 0.62%
Balance Sheet Saratoga's Community Federal Credit Union
Saratoga Springs, NY 		Click to
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Total Assets 58.54M
Total Deposits 54.07M
Capital and Reserves Saratoga's Community Federal Credit Union
Saratoga Springs, NY 		Click to
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Capital 4.59M
Leverage Ratio 7.89
Loan Loss Reserves to Loans 0.20%
Liquidity Saratoga's Community Federal Credit Union
Saratoga Springs, NY 		Click to
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Hot Money Ratio 4.97%
Liquidity Ratio 10.61%
Profitability Saratoga's Community Federal Credit Union
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5-Year Return on Average Assets 0.43%
Net Income 544.00K
Net Interest Spread 4.45%
Operating Profit to Average Assets 1.45%
Overhead Efficiency Ratio 77.42%
Return on Assets 1.25%
Return on Equity 16.13%