STEWART'S
Federal • Saratoga Spring, New York • Est. 1983
Quick Facts
- Charter Number
- #24036
- Type
- Federal
- Established
- 1983
- Headquarters
- Saratoga Spring, New York 12866
- Address
- PO Box 435
- Branches
- 1
- Members
- 4,367
- Membership Type
- Community
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
4,367 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | STEWART'S |
|---|---|
| Total Assets | $47.1M |
| Members | 4,367 |
| Loans Outstanding | $18.2M |
| Shares & Deposits | $43.2M |
| Net Worth | $3.9M |
| Net Worth Ratio | 8.28% |
| Loan-to-Share Ratio | 42.2% |
| Delinquency Rate | 0.68% |
| Net Income | +$958,769 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
1 location
Stewart's FCU
Main Office2911 State Route 9
Ballston Spa, NY 12020
Who Can Join STEWART'S?
Membership Type: Community
Membership eligibility for STEWART'S may vary. Contact the credit union directly to confirm qualification requirements.
Contact STEWART'S directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View New York RankingsFrequently Asked Questions
Yes. STEWART'S 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, STEWART'S has 4,367 members and a potential membership field of 6,500 people.
STEWART'S's net worth ratio is 8.28% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 8.3%, STEWART'S meets this threshold.
STEWART'S operates 1 branch location. The main office is located at 2911 State Route 9, Ballston Spa, NY 12020.
STEWART'S was established in 1983. It is a federal credit union chartered under charter number 24036. The institution has been serving members for 43 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or STEWART'S. All financial data is for informational purposes only.