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Hudson River Teachers

Peekskill, NY · Charter 2812

NCUA · 1 branch

Q3 2020

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 2020, the quarter ended September 30, 2020, 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 River Teachers

Peekskill, NY · Charter 2812

NCUA · 1 branch

Q3 2020

$70.0MAssets
$26.7MLoans
$64.3MShares
$5.1MNet Worth

Executive Summary

  • Earnings: ROA of 0.16%, down 31 bps year over year; NIM at 2.06%.
  • Asset quality: problem loans at 0.99% of loans (+64 bps YoY).
  • Capital: net worth / assets of 7.29%, down 72 bps from a year ago.
  • Funding: loans stand at 41.50% of shares as of Q3 2020.

Return on Assets (YTD, annualized)

0.16%-31 bps YoY

Net Interest Margin (YTD, annualized)

2.06%-72 bps YoY

Efficiency Ratio (YTD, annualized)

88.26%+546 bps YoY

Net Worth / Assets

7.29%-72 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2018Q1 2019Q2 2019Q3 2019Q4 2019Q1 2020Q2 2020Q3 2020YoY ΔTrend
Earnings
Return on Assets0.44%0.40%0.44%0.47%0.48%0.53%0.28%0.16%-31 bps
Return on Equity5.49%5.16%5.68%5.90%6.12%6.95%3.88%2.24%-366 bps
Net Interest Margin2.52%2.76%2.74%2.78%2.65%2.53%2.21%2.06%-72 bps
Efficiency Ratio84.62%86.41%82.33%82.79%82.40%78.73%84.69%88.26%+546 bps
Growth
Asset Growth (YoY)8.41%7.63%3.91%6.52%9.54%8.98%12.20%13.73%+721 bps
Loan Growth (YoY)18.20%23.87%16.74%17.89%14.04%8.66%1.65%-4.50%-2,239 bps
Share Growth (YoY)9.53%6.17%2.61%6.35%8.67%9.58%12.66%15.13%+878 bps
Asset Quality
Delinquent Loans / Loans0.16%0.89%3.19%0.35%0.55%0.47%1.26%0.99%+64 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.34%0.32%0.41%0.59%0.64%0.55%0.58%0.59%0 bps
Capital
Risk-Based Capital8.03%7.79%7.76%8.01%7.81%7.64%7.30%7.29%-72 bps
Net Worth / Assets8.03%7.79%7.76%8.01%7.81%7.64%7.30%7.29%-72 bps
Liquidity & Funding
Loans / Shares44.94%46.14%46.78%50.03%47.16%45.75%42.21%41.50%-853 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps