Mid-Hudson Valley
Kingston, NY · Charter 15766 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 14 branches
Q2 2026
$1.7BAssets
$1.1BLoans
$1.5BShares
$168.0MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 85% of credit unions $1B-$10B in assets (rank 68 of 435).
- Widest gap: efficiency ratio trails 79% of credit unions $1B-$10B in assets (rank 344 of 435).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.71%
Rank 267 of 435
Net Interest Margin
3.58%
Rank 160 of 435
Efficiency Ratio
78.71%
Rank 344 of 435
Equity / Assets
9.87%
Rank 317 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.71% | 0.55% | 0.81% | 1.14% | Beats 39% | 267 / 435 | | |
| Return on Equity | 7.18% | 5.12% | 7.41% | 9.70% | Beats 47% | 230 / 435 | | |
| Net Interest Margin | 3.58% | 3.01% | 3.39% | 3.75% | Beats 63% | 160 / 435 | | |
| Efficiency Ratio | 78.71% | 65.25% | 71.39% | 77.86% | Beats 21% | 344 / 435 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.36% | 0.45% | 0.69% | 1.05% | Beats 85% | 68 / 435 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.87% | 9.81% | 10.84% | 12.63% | Beats 27% | 317 / 435 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.87% | 9.81% | 10.84% | 12.63% | Beats 27% | 317 / 435 | | |
| Liquidity & Funding |
| Loans / Deposits | 75.59% | 78.33% | 88.38% | 95.61% | 21st pctl | 343 / 435 | | |
| Loans / Assets | 67.53% | 67.69% | 74.58% | 80.80% | 24th pctl | 331 / 435 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |