MID-HUDSON VALLEY

Charter #15766 | NY

1B-3B (304 CUs) Mid-Market (380 CUs)
13 1B-3B in NY

MID-HUDSON VALLEY has 5 strengths but faces 5 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 13.4% in tier
  • + Wallet Share Momentum: Top 17.7% in tier
  • + Emerging Performer: Top 23.1% in tier
  • + Organic Growth Engine: Top 31.8% in tier
  • + Net Interest Margin 0.03% above tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 7.2% in tier
  • - Growth-at-Risk: Bottom 11.0% in tier
  • - Indirect Auto Dependency: Bottom 11.8% in tier
  • - ROA 0.19% below tier average
  • - Efficiency ratio 5.94% above tier (higher cost structure)

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Members 94,984
+1.5% YoY+0.5% QoQ
 -3.7K 98,678
-1.9% YoY
 25,964
+5.4% YoY
 33,089
+6.1% YoY
 55th in tier
Assets $1.6B
+7.3% YoY-0.9% QoQ
 $-98.1M $1.7B
+0.5% YoY
 $471.3M
+6.4% YoY
 $547.7M
+7.8% YoY
 55th in tier
Loans $1.1B
+4.5% YoY+1.5% QoQ
 $-174.4M $1.2B
+0.5% YoY
 $316.5M
+7.1% YoY
 $388.7M
+8.6% YoY
 46th in tier
Deposits $1.5B
+7.6% YoY-0.9% QoQ
 $-2.1M $1.5B
+1.3% YoY
 $400.0M
+7.6% YoY
 $464.6M
+9.3% YoY
 59th in tier
ROA 0.5%
-9.3% YoY+11.4% QoQ
 -0.2% 0.7%
+13.4% YoY
 0.9%
+294.0% YoY
 0.7%
+273.4% YoY
 36th in tier
NIM 3.3%
+1.0% YoY+2.8% QoQ
 +0.0% 3.3%
+9.3% YoY
 3.6%
+5.0% YoY
 3.7%
+5.0% YoY
 52nd in tier
Efficiency Ratio 79.9%
+1.1% YoY-1.7% QoQ
 +5.9% 74.0%
-10.9% YoY
 80.1%
-6.2% YoY
 79.1%
-3.3% YoY
 71st in tier
Delinquency Rate 0.6%
+82.7% YoY+26.9% QoQ
 -0.3 0.8%
+6.1% YoY
 1.7%
-8.3% YoY
 1.2%
-0.9% YoY
 36th in tier
Loan To Share 72.9%
-2.9% YoY+2.4% QoQ
 -12.3% 85.2%
-0.8% YoY
 61.5%
-2.3% YoY
 68.0%
-1.7% YoY
 Bottom 18.4% in tier
AMR $26,434
+4.6% YoY-0.4% QoQ
 $-3K $29,172
+2.8% YoY
 $19,040
-21.7% YoY
 $19,418
+1.3% YoY
 45th in tier
CD Concentration 31.9%
+6.8% YoY+1.7% QoQ
 +2.9% 29.0%
+0.8% YoY
 15.9%
+8.4% YoY
 19.6%
+6.2% YoY
 65th in tier
Indirect Auto % 26.2%
-17.4% YoY-0.6% QoQ
 +7.4% 18.8%
-2.8% YoY
 2.6%
-3.7% YoY
 7.9%
-2.9% YoY
 69th in tier

Signature Analysis

Strengths (4)

Relationship Depth Leader

growth
#98 of 264 • Top 13.4% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 4.64%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $3.2K
(Tier: $3.1K, National: $2.0K)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY

Wallet Share Momentum

growth
#129 of 264 • Top 17.7% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 4.64%
(Tier: 3.04%, National: 4.19%)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY

Emerging Performer

growth
#123 of 184 • Top 23.1% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.51%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): 1.54%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
184 of 380 Mid-Market CUs have this signature | 852 nationally
↑ Growing +18 CUs YoY | Rank worsening

Organic Growth Engine

growth
#231 of 246 • Top 31.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 1.54%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
Return on Assets: 0.51%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 26.23%
(Tier: 18.80%, National: 7.90%)
but worse than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | Rank worsening

Concerns (3)

Credit Quality Pressure

risk
#56 of 217 • Bottom 7.2% in tier

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

Why This Signature
Delinquency Change (YoY): 0.25% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY | Rank improving

Growth-at-Risk

risk
#62 of 161 • Bottom 11.0% in tier

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

Why This Signature
Loan Growth (YoY): 4.48%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
Delinquency Change (YoY): 0.25% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
161 of 380 Mid-Market CUs have this signature | 646 nationally
↓ Shrinking -30 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#74 of 202 • Bottom 11.8% in tier

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

Why This Signature
Asset Growth (YoY): 7.32%
(Tier: 5.36%, National: 3.04%)
but better than tier avg
Indirect Auto %: 26.23%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 1.54%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 CUs YoY | Rank improving

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 304 peers in tier

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (1 metrics)

248
Loan-to-Share Ratio
balance_sheet
Value: 72.90%
Peer Avg: 85.19%
#248 of 304 Bottom 18.8% in 1B-3B tier