Hudson Valley

Poughkeepsie, NY · 2 · Charter #68705 · www.hvcu.org
Mid ($1B–$10B)Reporting period: Q4 2025Peer group: 446 CUs

Performance vs peers

Percentile rank within the Mid ($1B–$10B) peer group (446 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$8.1B
93th percentile
Members
388,883
93th percentile
Total loans
$4.9B
92th percentile
Total shares
$7.0B
95th percentile

Profitability

Return on assets
0.49%
17th percentile
Net interest margin
2.89%
30th percentile
Efficiency ratio
53.60%
42th percentile
Non-interest income ratio
14.74%
26th percentile

Capital & Risk

Net worth ratio
10.43%
42th percentile
Delinquency rate
0.62%
61th percentile
Net charge-off rate
0.60%
37th percentile
Loan-to-share
69.48%
13th percentile

Growth

Member growth YoY
4.69%
75th percentile
Asset growth YoY
8.40%
72th percentile
Loan growth YoY
11.25%
84th percentile
Share growth YoY
9.50%
78th percentile

Operations

Members / branch
9,485
70th percentile
Assets / member
$20,769
72th percentile
Field of membership penetration
11.31%
70th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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