SARATOGA'S COMMUNITY
Charter #5252 · Saratoga Spring, NY · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.56% sits at the 16th percentile of structural peers — worth a closer look.
- Return on average assets of 1.96% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.49% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 69.17% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- On Net interest margin, the asset-size band puts this credit union at the 80th percentile but its structural peers at the 54th — a 26-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | SARATOGA'S COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $59.17M | 24th pct | 26th pct |
| Members | 5,399 | 56th pct | 33th pct |
| Net worth ratio | 8.56% | 6th pct | 16th pct |
| Return on average assets | 1.96% | 95th pct | 95th pct |
| Net interest margin | 4.26% | 80th pct | 54th pct |
| Cost of funds | 0.49% | 23th pct | 15th pct |
| Loan-to-share | 90.48% | 96th pct | 84th pct |
| Delinquency 60+ days | 0.78% | 61th pct | 52th pct |
| Net charge-off ratio | 0.20% | 45th pct | 28th pct |
| Loan growth YoY | -3.80% | 29th pct | 11th pct |
| Share growth YoY | 0.36% | 21th pct | 21th pct |
| Efficiency ratio | 69.17% | 25th pct | 10th pct |
structural peer set hash: 520365b7214d24cb03a2fbdf9e524789… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.