BlastPoint's Credit Union Scorecard

HUDSON VALLEY

Charter #24984 · NY

Large 7B-10B

29 CUs in 7B-10B nationally 3 in NY

View Large leaderboard →

HUDSON VALLEY faces 8 concerns requiring attention

National Analysis

How does the industry compare?

Large Tier

What's your peer group doing?

NY Analysis

How does NY stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 6.1% in tier
- Indirect Auto Dependency: Bottom 87.9% in tier
- ROA 0.75% below tier average
- Efficiency ratio 16.47% above tier (higher cost structure)
- Member Growth Rate: Bottom 0.0% in tier
- Asset Growth Rate: Bottom 0.0% in tier
- Loan Growth Rate: Bottom 0.0% in tier
- Deposit Growth Rate: Bottom 0.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Members	393,661	-43.2K	436,889 -2.3% YoY	27,572 +9.2% YoY	33,913 +5.7% YoY	31%
Assets	$8.1B	$-803.1M	$8.9B -0.1% YoY	$497.6M +8.1% YoY	$578.3M +9.0% YoY	17%
Loans	$4.9B	$-1.3B	$6.1B -1.1% YoY	$329.7M +7.8% YoY	$402.4M +8.7% YoY	Bottom 10.3% in tier
Deposits	$7.2B	$-474.4M	$7.7B +1.8% YoY	$425.1M +7.9% YoY	$494.3M +9.1% YoY	24%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.2%	-0.8%	0.9% +16.3% YoY	0.7% -43.8% YoY	0.4% -39.2% YoY	Bottom 0.1% in tier
NIM	3.1%	+0.0%	3.1% +6.3% YoY	3.5% -2.6% YoY	3.8% +4.1% YoY	55%
Efficiency Ratio	82.5%	+16.5%	66.1% -2.8% YoY	81.8% +0.3% YoY	84.6% +2.8% YoY	Bottom 6.9% in tier
Delinquency Rate	0.6%	+0.0	0.6% +12.0% YoY	1.5% -10.1% YoY	1.2% +3.4% YoY	38%
Loan To Share	67.7%	-12.7%	80.4% -3.4% YoY	58.9% -2.1% YoY	65.6% -1.4% YoY	21%
AMR	$30,591	$-6K	$37,056 +6.8% YoY	$19,395 -21.8% YoY	$19,920 +1.6% YoY	48%
CD Concentration	35.6%	+6.9%	28.6%	16.4%	19.8%	76%
Indirect Auto %	17.0%	+0.7%	16.4%	2.6%	7.7%	54%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (2)

Efficiency Drag

risk

#4 of 5 • Bottom 6.1% in tier

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

Why This Signature

Efficiency Ratio: 82.52%

(Tier: 66.35%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -

(Tier: 0.13% points, National: -0.45% points)

Member Growth (YoY): -

(Tier: 4.32%, National: 10.19%)

5 of 66 Large CUs have this signature | 702 nationally

→ Stable (8→5 CUs) -3 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#30 of 34 • Bottom 87.9% in tier

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

Why This Signature

Asset Growth (YoY): -

(Tier: 8.53%, National: 1663.40%)

Indirect Auto %: 17.02%

(Tier: 16.37%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -

(Tier: 4.32%, National: 10.19%)

34 of 66 Large CUs have this signature | 745 nationally

→ Stable (34→34 CUs) | New qualifier

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)

Compare against:

Comparing against 29 peers in tier

Top Strengths (1 metrics)

First Mortgage Concentration (%)

balance_sheet

Value: 29.05%

Peer Median: 37.49%

#8 of 29 Top 24.1% in 7B-10B tier

Top Weaknesses (12 metrics)

Member Growth Rate

growth

Value: -

Peer Median: 2.73%