BlastPoint's Credit Union Scorecard

MID-HUDSON VALLEY

Charter #15766 · NY

Mid-Market 1B-3B
306 CUs in 1B-3B nationally 12 in NY
View Mid-Market leaderboard →

MID-HUDSON VALLEY has 1 strength but faces 6 concerns

National Analysis

How does the industry compare?
Mid-Market Tier

What's your peer group doing?
NY Analysis

How does NY stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Net Interest Margin 0.19% above tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 20.3% in tier
  • - Efficiency Drag: Bottom 23.5% in tier
  • - Credit Risk Growth: Bottom 51.3% in tier
  • - Indirect Auto Dependency: Bottom 55.3% in tier
  • - ROA 0.31% below tier average
  • - Efficiency ratio 6.28% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Members 95,051
+1.0% YoY+0.2% QoQ
 -997 96,048
-2.7% YoY
 27,572
+9.2% YoY
 33,913
+5.7% YoY
 58%
Assets $1.7B
+4.5% YoY+1.5% QoQ
 $-43.5M $1.7B
+0.4% YoY
 $497.6M
+8.1% YoY
 $578.3M
+9.0% YoY
 57%
Loans $1.1B
+5.4% YoY+0.7% QoQ
 $-130.7M $1.2B
+0.2% YoY
 $329.7M
+7.8% YoY
 $402.4M
+8.7% YoY
 48%
Deposits $1.5B
+4.3% YoY+2.1% QoQ
 +$37.8M $1.5B
+0.5% YoY
 $425.1M
+7.9% YoY
 $494.3M
+9.1% YoY
 60%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings

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ROA 0.4%
+53.3% YoY-24.0% QoQ
 -0.3% 0.7%
+27.6% YoY
 0.7%
-43.8% YoY
 0.4%
-39.2% YoY
 24%
NIM 3.5%
+14.0% YoY+5.7% QoQ
 +0.2% 3.4%
+6.2% YoY
 3.5%
-2.6% YoY
 3.8%
+4.1% YoY
 62%
Efficiency Ratio 80.9%
-5.4% YoY+1.5% QoQ
 +6.3% 74.6%
-3.0% YoY
 81.8%
+0.3% YoY
 84.6%
+2.8% YoY
 75%
Delinquency Rate 0.5%
+56.9% YoY-5.0% QoQ
 -0.2 0.8%
+6.9% YoY
 1.5%
-10.1% YoY
 1.2%
+3.4% YoY
 37%
Loan To Share 72.0%
+1.1% YoY-1.4% QoQ
 -11.1% 83.2%
-0.4% YoY
 58.9%
-2.1% YoY
 65.6%
-1.4% YoY
 18%
AMR $27,210
+3.7% YoY+1.3% QoQ
 $-2K $29,652
+2.3% YoY
 $19,395
-21.8% YoY
 $19,920
+1.6% YoY
 44%
CD Concentration 31.2%
-2.6% YoY-1.5% QoQ
 +2.3% 28.8% 16.4% 19.8% 62%
Indirect Auto % 25.4%
-5.8% YoY-1.5% QoQ
 +7.3% 18.1% 2.6% 7.7% 70%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Credit Quality Pressure

risk
#77 of 225 • Bottom 20.3% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.18% points
(Tier: 0.06% points, National: 0.12% points)
worse than tier avg
225 of 384 Mid-Market CUs have this signature | 1013 nationally
→ Stable (228→225 CUs) -3 CUs YoY | New qualifier

Credit Risk Growth

risk
#80 of 183 • Bottom 51.3% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 5.45%
(Tier: 6.71%, National: 1.74%)
worse than tier avg
Delinquency Change (YoY): 0.18% points
(Tier: 0.06% points, National: 0.12% points)
worse than tier avg
183 of 384 Mid-Market CUs have this signature | 710 nationally
→ No prior data (183 CUs now) | New qualifier

Indirect Auto Dependency

risk
#106 of 198 • Bottom 55.3% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 4.49%
(Tier: 6.82%, National: 1663.40%)
worse than tier avg
Indirect Auto %: 25.40%
(Tier: 18.07%, National: 7.73%)
worse than tier avg
Member Growth (YoY): 1.03%
(Tier: 3.50%, National: 10.19%)
worse than tier avg
198 of 384 Mid-Market CUs have this signature | 745 nationally
↓ Shrinking -10 CUs YoY | Rank improving

Efficiency Drag

risk
#63 of 100 • Bottom 23.5% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 80.91%
(Tier: 73.98%, National: 84.64%)
worse than tier avg
ROA Change (YoY): 0.14% points
(Tier: 0.14% points, National: -0.45% points)
but better than tier avg
Member Growth (YoY): 1.03%
(Tier: 3.50%, National: 10.19%)
worse than tier avg
100 of 384 Mid-Market CUs have this signature | 702 nationally
↓ Shrinking -38 CUs YoY

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)

Comparing against 306 peers in tier

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (4 metrics)

250
Loan-to-Share Ratio
balance_sheet
Value: 72.04%
Peer Median: 85.31%
#250 of 306 Bottom 18.6% in 1B-3B tier
235
Fee Income Per Member
profitability
Value: $152.54
Peer Median: $191.54
#235 of 306 Bottom 23.5% in 1B-3B tier
231
Return on Assets (ROA)
profitability
Value: 0.41%
Peer Median: 0.66%
#231 of 306 Bottom 24.8% in 1B-3B tier
231
Efficiency Ratio
profitability
Value: 80.91%
Peer Median: 75.16%
#231 of 306 Bottom 24.8% in 1B-3B tier
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