Hudson River
Corinth, NY · Charter 68342 · Peer group: credit unions under $1B in assets in NY (n=107)
NCUA · 5 branches
Q4 2025
$358.5MAssets
$280.8MLoans
$300.2MShares
$53.6MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 75% of credit unions under $1B in assets in NY (rank 27 of 107).
- Widest gap: return on equity trails 78% of credit unions under $1B in assets in NY (rank 83 of 107).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.53%
Rank 75 of 107
Net Interest Margin
3.53%
Rank 60 of 107
Efficiency Ratio
83.01%
Rank 76 of 107
Equity / Assets
14.95%
Rank 27 of 107
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.53% | 0.42% | 0.92% | 1.36% | Beats 30% | 75 / 107 | | |
| Return on Equity | 3.58% | 3.80% | 7.58% | 10.43% | Beats 22% | 83 / 107 | | |
| Net Interest Margin | 3.53% | 3.18% | 3.63% | 4.13% | Beats 44% | 60 / 107 | | |
| Efficiency Ratio | 83.01% | 65.85% | 74.81% | 83.64% | Beats 30% | 76 / 107 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.38% | 0.27% | 0.79% | 1.35% | Beats 23% | 83 / 107 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 14.95% | 10.29% | 11.95% | 14.95% | Beats 75% | 27 / 107 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 14.95% | 10.29% | 11.95% | 14.95% | Beats 75% | 27 / 107 | | |
| Liquidity & Funding |
| Loans / Deposits | 93.55% | 43.75% | 61.23% | 78.36% | 95th pctl | 5 / 107 | | |
| Loans / Assets | 78.33% | 37.83% | 52.55% | 66.10% | 93rd pctl | 8 / 107 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |