Hudson River Community
Corinth, NY · Charter 24987 · Peer group: credit unions under $1B in assets in NY (n=59)
Q2 2026
$364.2MAssets
$284.8MLoans
$304.9MShares
$55.7MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 69% of credit unions under $1B in assets in NY (rank 18 of 59).
- Widest gap: nonperforming loans / loans trails 73% of credit unions under $1B in assets in NY (rank 44 of 59).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
1.15%
Rank 23 of 59
Net Interest Margin
3.74%
Rank 28 of 59
Efficiency Ratio
73.01%
Rank 26 of 59
Equity / Assets
15.29%
Rank 18 of 59
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.15% | 0.28% | 1.01% | 1.42% | Beats 61% | 23 / 59 | |
| Return on Equity | 7.52% | 2.31% | 7.92% | 10.52% | Beats 44% | 33 / 59 | |
| Net Interest Margin | 3.74% | 3.24% | 3.66% | 4.04% | Beats 53% | 28 / 59 | |
| Efficiency Ratio | 73.01% | 63.53% | 74.15% | 82.44% | Beats 58% | 26 / 59 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.17% | 0.32% | 0.68% | 1.20% | Beats 27% | 44 / 59 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 15.29% | 10.94% | 13.05% | 16.06% | Beats 69% | 18 / 59 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 15.29% | 10.94% | 13.05% | 16.06% | Beats 69% | 18 / 59 | |
| Liquidity & Funding |
| Loans / Deposits | 93.41% | 40.49% | 57.59% | 78.86% | 97th pctl | 2 / 59 | |
| Loans / Assets | 78.21% | 33.06% | 50.92% | 63.03% | 92nd pctl | 5 / 59 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |