SARATOGA'S COMMUNITY
Federal • Saratoga Spring, New York • Est. 1945
Quick Facts
- Charter Number
- #5252
- Type
- Federal
- Established
- 1945
- Headquarters
- Saratoga Spring, New York 12866-4715
- Address
- 189 Ballston Ave
- Branches
- 2
- Members
- 5,437
- Membership Type
- Other/Unknown
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Well-capitalized with a healthy net worth ratio and solid financial fundamentals. A reliable institution with good long-term stability.
Financial Overview
Total Assets
Members
5,437 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | SARATOGA'S COMMUNITY |
|---|---|
| Total Assets | $59.2M |
| Members | 5,437 |
| Loans Outstanding | $50.5M |
| Shares & Deposits | $54.5M |
| Net Worth | $4.7M |
| Net Worth Ratio | 8.02% |
| Loan-to-Share Ratio | 92.5% |
| Delinquency Rate | 0.85% |
| Net Income | +$729,070 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
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
Browse all federally insured credit unions in New York, ranked by assets, members, and financial health score.
View New York RankingsFrequently Asked Questions
Yes. SARATOGA'S COMMUNITY is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, SARATOGA'S COMMUNITY has 5,437 members and a potential membership field of 469,000 people.
SARATOGA'S COMMUNITY's net worth ratio is 8.02% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 8.0%, SARATOGA'S COMMUNITY meets this threshold.
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 (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or SARATOGA'S COMMUNITY. All financial data is for informational purposes only.