SARATOGA'S COMMUNITY Credit Union Profile

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SARATOGA'S COMMUNITY

Charter #5252 | NCUA Region 1 | FCU
Low-Income Designation: No
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (518) 583-2323

Fax: (518) 583-9143

Founding Date: N/A

Website: https://www.saratogafcu.org

Personnel & Operations

President: Decoteau, Jane

Manager: Denofio, Donald

FT Employees: 15

PT Employees: 5

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 00

Branches: 2

Hours: Mon-Fri 9am - 5pm Sat 9am - 1pm Sat 9am - 1

Credit Union Profile Summary

SARATOGA'S COMMUNITY is a FCU Credit Union. With a total of 5,407 members [1], this institution manages approximately $59,057,350 in total assets [1]. It does not currently hold a Low-Income Designation. Key financial indicators show a solid Net Worth Ratio of 8.2% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -5.80% [1].

Financial Snapshot

Total Assets [1]
$59,057,350

Total economic resources.

Total Loans [1]
$50,369,970

Total value of outstanding loans.

Total Deposits [1]
$54,582,023

Total funds deposited by members.

Members [1]
5,407

Number of active members.

Performance Ratios

Net Worth Ratio [1]
8.2%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
1.84%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
92.28%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↑ 5.10%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↓ -5.80%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↑ 1.54%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

189 Ballston Ave

Saratoga Spring, NY, 12866-4715
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

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Branch Locations

Found 2 branches reported by SARATOGA'S COMMUNITY (Charter #5252).

Main Office

23 Division Street Main Office

Type: Corporate Office

23 Division St

Saratoga Springs, NY 12866-2113

Phone: (518) 583-2323

Services: Member Services, ATM

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Additional Branches

Ballston Spa

444 Geyser Rd

Type: Branch Office

444 Geyser Rd

Ballston Spa, NY 12020

Phone: (518) 583-2323

Services: Member Services, ATM, Drive-Thru

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