Ballston Spa, NY · Federal Credit Union · Chartered in NY
Who can join
Occupational / select employee group
Members
14,607
Net Worth Ratio
9.49%
min. 7% = Well Capitalized
Contact & Details
NCUAWebsite
Phone
Address
Branch Locations
Credit unions are exempt from CRA. The Community Reinvestment Act applies only to FDIC-insured banks and thrifts. Credit unions are regulated by NCUA and evaluated under a separate safety and soundness framework.
Total Assets
$292.0M
Total Shares
$264.7M
Total Loans
$213.4M
Net Worth Ratio
9.49%
≥7% = Well Capitalized
Members
14,607
Delinquency Rate (60d+)
0.20%
$427K
Loan-to-share ratio: 80.6%· healthy range 60–80%
| Year | Applications | Originated | Denials | Orig. Rate | Denial Rate |
|---|---|---|---|---|---|
| 2023 | 134 | 84 | 33 | 62.7% | 24.6% |
| 2022 | 264 | 197 | 46 | 74.6% | 17.4% |
| 2021 | 341 | 245 | 41 | 71.8% | 12.0% |
No CFPB complaint data available for this credit union.
Milton
416 Rowland St, Ballston Spa, NY, 12020
9-5
Clifton Park
520 Vischer Ferry Rd, Clifton Park, NY, 12065
9-5
Cambridge
17 Gilbert St, Cambridge, NY, 12816-2614
9-5
Queensbury
4 Hunter Brook Ln, Queensbury, NY, 12804-5858
9-5
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<a href="https://bankscorer.com/credit-union/tct" target="_blank" rel="noopener">View TCT on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.