BlastPoint's Credit Union Scorecard
MID-HUDSON VALLEY
Charter #15766 · NY
MID-HUDSON VALLEY has 3 strengths but faces 5 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 95.1% in tier
- + Emerging Performer: Top 100.0% in tier
- + Net Interest Margin 0.08% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 44.8% in tier
- - Indirect Auto Dependency: Bottom 46.1% in tier
- - Credit Risk Growth: Bottom 59.5% in tier
- - ROA 0.14% below tier average
- - Efficiency ratio 5.65% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
94,851
+1.3% YoY-0.1% QoQ
|
-2.6K |
97,431
-2.4% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
57% |
| Assets |
$1.7B
+5.9% YoY+1.9% QoQ
|
$-71.9M |
$1.7B
+0.9% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
56% |
| Loans |
$1.1B
+4.9% YoY+1.6% QoQ
|
$-158.9M |
$1.2B
+0.5% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
46% |
| Deposits |
$1.5B
+5.6% YoY+1.4% QoQ
|
+$13.2M |
$1.5B
+0.9% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
59% |
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| ROA |
0.5%
+9.6% YoY+6.5% QoQ
|
-0.1% |
0.7%
+20.9% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
36% |
| NIM |
3.4%
+5.0% YoY+1.9% QoQ
|
+0.1% |
3.3%
+9.2% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
55% |
| Efficiency Ratio |
79.7%
+0.2% YoY-0.3% QoQ
|
+5.6% |
74.1%
-9.5% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
74% |
| Delinquency Rate |
0.5%
+41.5% YoY-3.3% QoQ
|
-0.4 |
0.9%
+6.2% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
30% |
| Loan To Share |
73.0%
-0.7% YoY+0.2% QoQ
|
-11.7% |
84.8%
-0.8% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
18% |
| AMR |
$26,864
+4.0% YoY+1.6% QoQ
|
$-3K |
$29,428
+2.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
44% |
| CD Concentration |
31.7%
+1.2% YoY-0.8% QoQ
|
+2.6% | 29.0% | 16.3% | 19.8% | 64% |
| Indirect Auto % |
25.8%
-17.3% YoY-1.7% QoQ
|
+7.5% | 18.3% | 2.6% | 7.8% | 69% |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (3)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)