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Hudson Valley

Poughkeepsie, NY · Charter 15802

NCUA · 20 branches

Q3 2019

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2019, the quarter ended September 30, 2019, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Hudson Valley

Poughkeepsie, NY · Charter 15802

NCUA · 20 branches

Q3 2019

$5.3BAssets
$3.0BLoans
$4.6BShares
$566.1MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.45%, down 29 bps year over year; NIM at 2.82%.
  • Asset quality: problem loans at 0.55% of loans (-69 bps YoY).
  • Capital: net worth / assets of 10.75%, down 30 bps from a year ago.
  • Funding: loans stand at 65.56% of shares as of Q3 2019.

Financial Results

Return on Assets (YTD, annualized)

0.45%-29 bps YoY

Net Interest Margin (YTD, annualized)

2.82%-16 bps YoY

Efficiency Ratio (YTD, annualized)

63.77%+498 bps YoY

Net Worth / Assets

10.75%-30 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2018Q4 2018Q1 2019Q2 2019Q3 2019YoY ΔTrend
Earnings
Return on Assets0.73%0.85%0.78%0.10%0.45%-29 bps
Return on Equity6.65%7.60%7.08%0.97%4.16%-250 bps
Net Interest Margin2.99%2.95%3.01%2.85%2.82%-16 bps
Efficiency Ratio58.78%57.45%61.53%65.85%63.77%+498 bps
Growth
Asset Growth (YoY)4.01%5.41%5.99%8.16%8.37%+436 bps
Loan Growth (YoY)11.28%9.18%8.63%8.15%2.80%-848 bps
Share Growth (YoY)4.43%5.61%4.86%6.75%6.88%+246 bps
Asset Quality
Delinquent Loans / Loans1.24%1.08%1.10%1.13%0.55%-69 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.01%2.02%2.00%2.45%0.89%-112 bps
Capital
Risk-Based Capital11.05%11.19%11.08%10.52%10.75%-30 bps
Net Worth / Assets11.05%11.19%11.08%10.52%10.75%-30 bps
Liquidity & Funding
Loans / Shares68.16%68.44%67.49%66.64%65.56%-260 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps