PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Hudson River

Corinth, NY · Charter 68342

NCUA · 5 branches

Q4 2025

$358.5MAssets
$280.8MLoans
$300.2MShares
$53.6MNet 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 0.54%, down 14 bps year over year; NIM at 3.53%.
  • Asset quality: problem loans at 1.38% of loans (+18 bps YoY).
  • Capital: net worth / assets of 14.95%, down 86 bps from a year ago.
  • Funding: loans stand at 93.55% of shares as of Q4 2025.

Financial Results

Return on Assets (YTD, annualized)

0.54%-14 bps YoY

Net Interest Margin (YTD, annualized)

3.53%+12 bps YoY

Efficiency Ratio (YTD, annualized)

83.00%-41 bps YoY

Net Worth / Assets

14.95%-86 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2024Q1 2025Q2 2025Q3 2025Q4 2025YoY ΔTrend
Earnings
Return on Assets0.68%0.71%1.00%0.98%0.54%-14 bps
Return on Equity4.30%4.55%6.39%6.16%3.58%-72 bps
Net Interest Margin3.41%3.55%3.66%3.78%3.53%+12 bps
Efficiency Ratio83.42%80.95%75.38%76.82%83.00%-41 bps
Growth
Asset Growth (YoY)-2.63%-0.83%1.51%5.10%9.58%+1,221 bps
Loan Growth (YoY)-3.86%-3.88%-2.50%-0.13%0.88%+474 bps
Share Growth (YoY)2.19%1.93%2.31%4.48%9.74%+755 bps
Asset Quality
Delinquent Loans / Loans1.20%1.02%1.27%1.20%1.38%+18 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital15.80%15.58%15.60%15.84%14.95%-86 bps
Net Worth / Assets15.80%15.58%15.60%15.84%14.95%-86 bps
Liquidity & Funding
Loans / Shares101.77%97.71%97.79%99.45%93.55%-822 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps