SARATOGA'S COMMUNITY
Federal • Saratoga Springs, New York • Est. 1945
Quick Facts
- Charter Number
- #5252
- Type
- Federal
- Established
- 1945
- Headquarters
- Saratoga Springs, New York 12866-4715
- Address
- 189 Ballston Ave
- Branches
- 2
- Members
- 5,399
- Membership Type
- Other/Unknown
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
Under CUScore's rules, this institution reports a net worth ratio of at least 8% and a delinquency rate below 1.5%. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
5,399 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | SARATOGA'S COMMUNITY |
|---|---|
| Total Assets | $59.2M |
| Members | 5,399 |
| Loans Outstanding | $49.1M |
| Shares & Deposits | $54.3M |
| Net Worth | $5.0M |
| Net Worth Ratio | 8.56% |
| Loan-to-Share Ratio | 90.5% |
| Delinquency Rate | 0.78% |
| Net Income | +$0 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
Branch Locations
2 locations
189 Ballston Ave
Main Office189 Ballston Ave
Saratoga Springs, NY 12866-4715
444 Geyser Rd
444 Geyser Rd
Ballston Spa, NY 12020
Who Can Join SARATOGA'S COMMUNITY?
Membership Type: Other/Unknown
Membership eligibility for SARATOGA'S COMMUNITY may vary. Contact the credit union directly to confirm qualification requirements.
Contact SARATOGA'S COMMUNITY directly or visit their website for the most accurate and up-to-date membership eligibility information.
Find More Credit Unions in New York
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View New York RankingsFrequently Asked Questions
SARATOGA'S COMMUNITY is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, SARATOGA'S COMMUNITY has 5,399 members and a potential membership field of 469,000 people.
SARATOGA'S COMMUNITY's reported net worth ratio is 8.56% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
SARATOGA'S COMMUNITY operates 2 branch locations. The main office is located at 189 Ballston Ave, Saratoga Springs, NY 12866-4715.
SARATOGA'S COMMUNITY was established in 1945. It is a federal credit union chartered under charter number 5252. The institution has been serving members for 81 years.
Data sourced from the NCUA Quarterly Call Report (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or SARATOGA'S COMMUNITY. All financial data is for informational purposes only.