PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Hudson Valley

Poughkeepsie, NY · Charter 68705

NCUA · 40 branches

Q4 2025

$8.1BAssets
$4.9BLoans
$7.1BShares
$842.6MNet 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 0.19%, down 10 bps year over year; NIM at 2.89%.
  • Asset quality: problem loans at 0.62% of loans (-6 bps YoY).
  • Capital: net worth / assets of 10.43%, down 69 bps from a year ago.
  • Funding: loans stand at 68.56% of shares as of Q4 2025.

Financial Results

Return on Assets (YTD, annualized)

0.19%-10 bps YoY

Net Interest Margin (YTD, annualized)

2.89%+21 bps YoY

Efficiency Ratio (YTD, annualized)

82.40%+20 bps YoY

Net Worth / Assets

10.43%-69 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2024Q1 2025Q2 2025Q3 2025Q4 2025YoY ΔTrend
Earnings
Return on Assets0.30%0.00%0.11%0.19%0.19%-10 bps
Return on Equity2.66%0.04%1.03%1.84%1.86%-80 bps
Net Interest Margin2.68%2.72%2.76%2.88%2.89%+21 bps
Efficiency Ratio82.21%82.89%83.54%82.24%82.40%+20 bps
Growth
Asset Growth (YoY)5.49%10.40%10.58%6.91%8.40%+291 bps
Loan Growth (YoY)3.01%11.73%10.94%11.49%11.25%+824 bps
Share Growth (YoY)8.13%12.81%12.83%9.15%9.12%+99 bps
Asset Quality
Delinquent Loans / Loans0.67%0.51%0.60%0.68%0.62%-6 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 Capital11.12%10.40%10.27%10.54%10.43%-69 bps
Net Worth / Assets11.12%10.40%10.27%10.54%10.43%-69 bps
Liquidity & Funding
Loans / Shares67.25%68.93%67.51%68.97%68.56%+131 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps