PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Hudson River Community

Corinth, NY · Charter 24987

Q2 2026

$364.2MAssets
$284.8MLoans
$304.9MShares
$55.7MNet 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 1.15%; NIM at 3.74%.
  • Asset quality: problem loans at 1.17% of loans.
  • Capital: net worth / assets of 15.29%.
  • Funding: loans stand at 93.41% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.15%

Net Interest Margin (YTD, annualized)

3.74%

Efficiency Ratio (YTD, annualized)

73.01%

Net Worth / Assets

15.29%

Year to date, annualized, through each quarter.

MetricQ1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.93%1.15%n/a
Return on Equity6.26%7.52%n/a
Net Interest Margin3.64%3.74%n/a
Efficiency Ratio76.24%73.01%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 / Loans0.85%1.17%n/a
Net Charge-Offs / Loansn/an/an/an/a
Allowance / Loans0.00%0.00%n/a
Capital
Risk-Based Capital14.92%15.29%n/a
Net Worth / Assets14.92%15.29%n/a
Liquidity & Funding
Loans / Shares90.88%93.41%n/a
Liquid Assets / Assets0.00%0.00%n/a