BlastPoint's Credit Union Scorecard
HUDSON RIVER COMMUNITY
Charter #24987 · NY
HUDSON RIVER COMMUNITY has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.21% above tier average
- + Total Members: Top 4.0% in tier
- + Total Loans: Top 8.0% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 86.3% in tier
- - Delinquency rate 0.08% above tier average
- - 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
- - AMR 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 | 33,715 | +18.6K |
15,145
-2.5% YoY
|
27,572
+9.2% YoY
|
33,913
+5.7% YoY
|
Top 4.1% in tier |
| Assets | $364.8M | +$133.1M |
$231.7M
+0.8% YoY
|
$497.6M
+8.1% YoY
|
$578.3M
+9.0% YoY
|
84% |
| Loans | $278.4M | +$134.3M |
$144.1M
+0.2% YoY
|
$329.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
Top 8.1% in tier |
| Deposits | $306.4M | +$105.2M |
$201.1M
+0.4% YoY
|
$425.1M
+7.9% YoY
|
$494.3M
+9.1% YoY
|
82% |
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| ROA | 0.9% | +0.2% |
0.7%
+5.1% YoY
|
0.7%
-43.8% YoY
|
0.4%
-39.2% YoY
|
66% |
| NIM | 3.6% | +0.0% |
3.6%
+4.6% YoY
|
3.5%
-2.6% YoY
|
3.8%
+4.1% YoY
|
52% |
| Efficiency Ratio | 76.2% | -1.8% |
78.0%
-1.7% YoY
|
81.8%
+0.3% YoY
|
84.6%
+2.8% YoY
|
41% |
| Delinquency Rate | 0.9% | +0.1 |
0.8%
+7.1% YoY
|
1.5%
-10.1% YoY
|
1.2%
+3.4% YoY
|
68% |
| Loan To Share | 90.9% | +20.5% |
70.4%
-0.4% YoY
|
58.9%
-2.1% YoY
|
65.6%
-1.4% YoY
|
Top 10.5% in tier |
| AMR | $17,345 | $-8K |
$24,918
+2.7% YoY
|
$19,395
-21.8% YoY
|
$19,920
+1.6% YoY
|
18% |
| CD Concentration | 25.8% | +1.5% | 24.3% | 16.4% | 19.8% | 50% |
| Indirect Auto % | 16.2% | +2.4% | 13.8% | 2.6% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (2)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)