PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Hudson Valley

Poughkeepsie, NY · Charter 24984

Q2 2026

$8.1BAssets
$5.1BLoans
$7.2BShares
$849.9MNet 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 0.14%; NIM at 3.13%.
  • Asset quality: problem loans at 0.60% of loans.
  • Capital: net worth / assets of 10.56%.
  • Funding: loans stand at 70.07% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.14%

Net Interest Margin (YTD, annualized)

3.13%

Efficiency Ratio (YTD, annualized)

85.96%

Net Worth / Assets

10.56%

Year to date, annualized, through each quarter.

MetricQ1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.19%0.14%n/a
Return on Equity1.80%1.29%n/a
Net Interest Margin3.07%3.13%n/a
Efficiency Ratio82.52%85.96%n/a
Growth
Asset Growth (YoY)n/an/an/an/a
Loan Growth (YoY)n/an/an/an/a
Share Growth (YoY)n/an/an/an/a
Asset Quality
Delinquent Loans / Loans0.59%0.60%n/a
Net Charge-Offs / Loansn/an/an/an/a
Allowance / Loans0.00%0.00%n/a
Capital
Risk-Based Capital10.46%10.56%n/a
Net Worth / Assets10.46%10.56%n/a
Liquidity & Funding
Loans / Shares67.71%70.07%n/a
Liquid Assets / Assets0.00%0.00%n/a