BlastPoint's Credit Union Scorecard
MID-HUDSON VALLEY
Charter #15766 · NY
MID-HUDSON VALLEY has 2 strengths but faces 3 concerns
How does the industry compare?
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How does NY stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 30.9% in tier
- + Net Interest Margin 0.19% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 61.3% in tier
- - ROA 0.10% below tier average
- - Efficiency ratio 5.69% above tier (higher cost structure)
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 12 that size in New York.
- Shares and deposits +3.7% year over year ($1.52B in shares and deposits).
- Membership: 95,219 members, +0.8% vs a year ago.
- Delinquency rate 0.36%.
- Return on assets 0.71%.
- Efficiency ratio 78.71% vs a 73.02% peer average.
- Loan-to-share ratio 75.59% vs a 84.71% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
95,219
+0.8% YoY+0.2% QoQ
|
-1.6K |
96,861
-1.9% YoY
|
27,051
+5.9% YoY
|
34,678
+6.6% YoY
|
57% |
| Assets |
$1.7B
+4.0% YoY+1.5% QoQ
|
$-22.6M |
$1.7B
+0.4% YoY
|
$505.5M
+8.1% YoY
|
$593.1M
+10.2% YoY
|
58% |
| Loans |
$1.1B
+10.2% YoY+6.1% QoQ
|
$-85.1M |
$1.2B
+0.7% YoY
|
$338.7M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
51% |
| Deposits |
$1.5B
+3.7% YoY+1.1% QoQ
|
+$56.8M |
$1.5B
+0.5% YoY
|
$431.4M
+8.2% YoY
|
$504.8M
+10.3% YoY
|
61% |
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| ROA |
0.7%
+55.9% YoY+72.9% QoQ
|
-0.1% |
0.8%
+27.6% YoY
|
1.2%
+60.1% YoY
|
1.2%
+121.4% YoY
|
44% |
| NIM |
3.6%
+12.8% YoY+1.9% QoQ
|
+0.2% |
3.4%
+6.6% YoY
|
3.6%
-0.3% YoY
|
3.8%
+2.3% YoY
|
62% |
| Efficiency Ratio |
78.7%
-3.2% YoY-2.7% QoQ
|
+5.7% |
73.0%
-2.7% YoY
|
80.5%
+0.8% YoY
|
83.0%
-5.3% YoY
|
73% |
| Delinquency Rate |
0.4%
-17.7% YoY-29.4% QoQ
|
-0.5 |
0.9%
+7.3% YoY
|
1.7%
-18.0% YoY
|
1.3%
+2.6% YoY
|
16% |
| Loan To Share |
75.6%
+6.2% YoY+4.9% QoQ
|
-9.1% |
84.7%
+0.1% YoY
|
59.8%
-1.2% YoY
|
66.4%
-1.4% YoY
|
22% |
| AMR |
$28,034
+5.6% YoY+3.0% QoQ
|
$-2K |
$29,575
+1.5% YoY
|
$19,620
+2.7% YoY
|
$20,028
-0.9% YoY
|
49% |
| CD Concentration |
31.1%
-0.9% YoY-0.2% QoQ
|
+2.0% | 29.1% | 16.4% | 20.0% | 61% |
| Indirect Auto % |
24.1%
-8.7% YoY-5.1% QoQ
|
+6.0% | 18.1% | 2.7% | 7.7% | 68% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (1)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)