Hudson Valley
Poughkeepsie, NY · Charter 68705 · Peer group: credit unions $1B-$10B in assets (n=428)
NCUA · 40 branches
Q4 2025
$8.1BAssets
$4.9BLoans
$7.1BShares
$842.6MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 61% of credit unions $1B-$10B in assets (rank 167 of 428).
- Widest gap: return on equity trails 92% of credit unions $1B-$10B in assets (rank 393 of 428).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.19%
Rank 393 of 428
Net Interest Margin
2.89%
Rank 303 of 428
Efficiency Ratio
82.40%
Rank 377 of 428
Equity / Assets
10.43%
Rank 250 of 428
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.19% | 0.47% | 0.71% | 1.00% | Beats 8% | 393 / 428 | | |
| Return on Equity | 1.86% | 4.35% | 6.65% | 8.96% | Beats 8% | 393 / 428 | | |
| Net Interest Margin | 2.89% | 2.83% | 3.23% | 3.60% | Beats 29% | 303 / 428 | | |
| Efficiency Ratio | 82.40% | 65.54% | 72.60% | 78.49% | Beats 12% | 377 / 428 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.62% | 0.46% | 0.75% | 1.06% | Beats 61% | 167 / 428 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.43% | 9.74% | 10.76% | 12.36% | Beats 42% | 250 / 428 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.43% | 9.74% | 10.76% | 12.36% | Beats 42% | 250 / 428 | | |
| Liquidity & Funding |
| Loans / Deposits | 68.56% | 77.85% | 88.44% | 95.44% | 13th pctl | 374 / 428 | | |
| Loans / Assets | 60.59% | 67.70% | 74.57% | 80.54% | 15th pctl | 364 / 428 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |