C
Stewart's Federal Credit Union
Rating Date
December 2025
Net Capital
Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Stewart's Federal Credit Union
Saratoga Springs, NY
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Rating C
Asset Quality Index 7.90
Capitalization Index 5.70
Liquidity Index 5.90
Profitability Index 9.30
Stability Index 2.90
Company Info Stewart's Federal Credit Union
Saratoga Springs, NY
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NCUA Charter Number 3970
Phone Number (518) 581-1201
Website www.stewartscu.com
Asset Quality Stewart's Federal Credit Union
Saratoga Springs, NY
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1-Year Asset Growth 10.50%
5-Year Asset Growth 10.46%
5-Year Charge-Offs to Average Loans 0.26%
Charge-Offs to Average Loans 0.31%
Non-Performing Assets to Assets 0.30%
Non-Performing Loans to Capital 3.40%
Non-Performing Loans to Loans 0.76%
Balance Sheet Stewart's Federal Credit Union
Saratoga Springs, NY
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Total Assets 46.04M
Total Deposits 42.21M
Capital and Reserves Stewart's Federal Credit Union
Saratoga Springs, NY
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Capital 3.71M
Leverage Ratio 8.12
Loan Loss Reserves to Loans 1.64%
Liquidity Stewart's Federal Credit Union
Saratoga Springs, NY
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Hot Money Ratio 0.00%
Liquidity Ratio 44.53%
Profitability Stewart's Federal Credit Union
Saratoga Springs, NY
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5-Year Return on Average Assets 0.73%
Net Income 529.00K
Net Interest Spread 4.80%
Operating Profit to Average Assets 1.87%
Overhead Efficiency Ratio 49.70%
Return on Assets 1.50%
Return on Equity 20.70%