BlastPoint's Credit Union Scorecard
HUDSON VALLEY
Charter #24984 · NY
HUDSON VALLEY faces 8 concerns requiring attention
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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
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)