Saratoga's Community

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets

$59.2M

10^th percentile

Members

5,437

29^th percentile

Total loans

$50.5M

40^th percentile

Total shares

$54.5M

15^th percentile

Profitability

Return on assets

1.23%

64^th percentile

Net interest margin

4.03%

71^th percentile

Efficiency ratio

71.78%

22^th percentile

Non-interest income ratio

30.74%

93^th percentile

Capital & Risk

Net worth ratio

7.87%

3^th percentile

Delinquency rate

0.85%

42^th percentile

Net charge-off rate

0.22%

64^th percentile

Loan-to-share

92.55%

90^th percentile

Growth

Member growth YoY

3.46%

88^th percentile

Asset growth YoY

3.40%

45^th percentile

Loan growth YoY

1.12%

49^th percentile

Share growth YoY

12.21%

92^th percentile

Operations

Members / branch

2,719

40^th percentile

Assets / member

$10,887

19^th percentile

Field of membership penetration

1.16%

18^th percentile

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