BlastPoint's Credit Union Scorecard
HUDSON VALLEY
Charter #24984 · NY
Hudson Valley at VentureTech 2026 · Fort Worth
YOU MADE THE SET.
Hudson Valley is one of 101 credit unions in the 2026 VentureTech card set. We also found Hudson Valley's biggest opportunity. Unlock it at the BlastPoint booth during expo hall hours, Mon Nov 16 and Tue Nov 17.
CARD SET
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HUDSON VALLEY
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PEER · AT VENTURETECH
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PEER · AT VENTURETECH
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HUDSON VALLEY'S BIGGEST OPPORTUNITY
Hudson Valley is headed to VentureTech in Fort Worth! Check out our trading card.
HUDSON VALLEY at a glance
How does the industry compare?
What's your peer group doing?
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 3.0% in tier
- - Indirect Auto Dependency: Bottom 85.3% in tier
- - ROA 0.89% below tier average
- - Efficiency ratio 19.89% above tier (higher cost structure)
- - Member Growth Rate: Bottom 0.1% in tier
- - Asset Growth Rate: Bottom 0.1% in tier
- - Loan Growth Rate: Bottom 0.1% in tier
- - Deposit Growth Rate: Bottom 0.1% in tier
The real pack is waiting in Fort Worth
- 1 CLEAR Your card arrived By email from Collier at BlastPoint
- 2 YOU ARE HERE Open your pack Right here on your Scorecard
- 3 BOSS LEVEL Grab the real pack At the BlastPoint booth
- 4 BONUS ROUND Find a CU from your pack Meet up and you both enter to win a member intelligence report
- Where
- The BlastPoint booth, Omni Fort Worth
- Expo hall
- Mon Nov 16 and Tue Nov 17
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
391,041
-0.7% QoQ
|
-47.8K |
438,885
-1.1% YoY
|
27,051
+5.9% YoY
|
34,678
+6.6% YoY
|
32% |
| Assets |
$8.1B
-0.7% QoQ
|
$-867.2M |
$8.9B
+0.0% YoY
|
$505.5M
+8.1% YoY
|
$593.1M
+10.2% YoY
|
18% |
| Loans |
$5.1B
+4.0% QoQ
|
$-1.2B |
$6.2B
-0.6% YoY
|
$338.7M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
Bottom 10.7% in tier |
| Deposits |
$7.2B
+0.5% QoQ
|
$-443.5M |
$7.7B
+2.7% YoY
|
$431.4M
+8.2% YoY
|
$504.8M
+10.3% YoY
|
25% |
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| ROA |
0.1%
-28.0% QoQ
|
-0.9% |
1.0%
+4.7% YoY
|
1.2%
+60.1% YoY
|
1.2%
+121.4% YoY
|
Bottom 3.6% in tier |
| NIM |
3.1%
+1.8% QoQ
|
+0.0% |
3.1%
+6.6% YoY
|
3.6%
-0.3% YoY
|
3.8%
+2.3% YoY
|
54% |
| Efficiency Ratio |
86.0%
+4.2% QoQ
|
+19.9% |
66.1%
+1.6% YoY
|
80.5%
+0.8% YoY
|
83.0%
-5.3% YoY
|
Bottom 7.1% in tier |
| Delinquency Rate |
0.6%
+1.6% QoQ
|
-0.2 |
0.8%
+23.1% YoY
|
1.7%
-18.0% YoY
|
1.3%
+2.6% YoY
|
29% |
| Loan To Share |
70.1%
+3.5% QoQ
|
-11.2% |
81.3%
-3.8% YoY
|
59.8%
-1.2% YoY
|
66.4%
-1.4% YoY
|
21% |
| AMR |
$31,370
+2.5% QoQ
|
$-6K |
$37,279
+8.1% YoY
|
$19,620
+2.7% YoY
|
$20,028
-0.9% YoY
|
46% |
| CD Concentration |
34.7%
-2.6% QoQ
|
+6.3% | 28.3% | 16.4% | 20.0% | 77% |
| Indirect Auto % |
17.6%
+3.3% QoQ
|
+0.8% | 16.8% | 2.7% | 7.7% | 52% |
Signature Analysis
Strengths (0)
Concerns (2)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)