HUDSON VALLEY

Charter #68705 | NY

7B-10B (30 CUs) Large (64 CUs)
4 7B-10B in NY

HUDSON VALLEY has 6 strengths but faces 8 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 8.4% in tier
  • + Relationship Depth Leader: Top 12.0% in tier
  • + Wallet Share Momentum: Top 12.8% in tier
  • + Organic Growth Engine: Top 26.3% in tier
  • + Loan Growth Rate: Top 6.7% in tier
  • + Deposit Growth Rate: Top 6.7% in tier

Key Concerns

Areas that may need attention

  • - Growth-at-Risk: Bottom 5.2% in tier
  • - Credit Quality Pressure: Bottom 6.6% in tier
  • - Efficiency Drag: Bottom 19.0% in tier
  • - Indirect Auto Dependency: Bottom 24.2% in tier
  • - ROA 0.84% below tier average
  • - Efficiency ratio 18.51% above tier (higher cost structure)
  • - Delinquency rate 0.01% above tier average
  • - Total Assets: Bottom 10.0% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Members 385,907
+4.5% YoY+1.2% QoQ
 -73.4K 459,296
+3.8% YoY
 25,964
+5.4% YoY
 33,089
+6.1% YoY
 27th in tier
Assets $8.0B
+6.9% YoY-1.7% QoQ
 $-968.7M $8.9B
+1.2% YoY
 $471.3M
+6.4% YoY
 $547.7M
+7.8% YoY
 Bottom 6.7% in tier
Loans $4.9B
+11.5% YoY+1.4% QoQ
 $-1.5B $6.3B
+2.9% YoY
 $316.5M
+7.1% YoY
 $388.7M
+8.6% YoY
 Bottom 10.0% in tier
Deposits $7.1B
+9.1% YoY-0.7% QoQ
 $-400.6M $7.5B
+2.3% YoY
 $400.0M
+7.6% YoY
 $464.6M
+9.3% YoY
 27th in tier
ROA 0.2%
-54.7% YoY+81.3% QoQ
 -0.8% 1.0%
+22.1% YoY
 0.9%
+294.0% YoY
 0.7%
+273.4% YoY
 Bottom 0.0% in tier
NIM 2.9%
+6.8% YoY+2.3% QoQ
 -0.2% 3.0%
+11.5% YoY
 3.6%
+5.0% YoY
 3.7%
+5.0% YoY
 33rd in tier
Efficiency Ratio 82.2%
+4.3% YoY-1.6% QoQ
 +18.5% 63.7%
-2.2% YoY
 80.1%
-6.2% YoY
 79.1%
-3.3% YoY
 Top 3.3% in tier
Delinquency Rate 0.7%
+29.5% YoY+13.0% QoQ
 +0.0 0.7%
+10.8% YoY
 1.7%
-8.3% YoY
 1.2%
-0.9% YoY
 47th in tier
Loan To Share 69.0%
+2.1% YoY+2.2% QoQ
 -16.5% 85.4%
+0.7% YoY
 61.5%
-2.3% YoY
 68.0%
-1.7% YoY
 Bottom 16.7% in tier
AMR $30,881
+5.3% YoY-1.0% QoQ
 $-3K $33,660
-2.9% YoY
 $19,040
-21.7% YoY
 $19,418
+1.3% YoY
 57th in tier
CD Concentration 37.3%
-4.3% YoY+0.2% QoQ
 +8.4% 28.9%
-1.3% YoY
 15.9%
+8.4% YoY
 19.6%
+6.2% YoY
 Top 20.3% in tier
Indirect Auto % 17.9%
-1.1% YoY+5.6% QoQ
 +1.3% 16.6%
-10.3% YoY
 2.6%
-3.7% YoY
 7.9%
-2.9% YoY
 55th in tier

Signature Analysis

Strengths (4)

Organic Growth Leader

growth
#8 of 28 • Top 8.4% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 4.52%
(Tier: 3.07%, National: 9.37%)
better than tier avg
28 of 64 Large CUs have this signature | 608 nationally
→ Stable (28→28 CUs)

Relationship Depth Leader

growth
#15 of 46 • Top 12.0% in tier

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

Why This Signature
AMR Growth (YoY): 5.33%
(Tier: 2.82%, National: 4.19%)
better than tier avg
Share Draft per Member: $3.3K
(Tier: $3.2K, National: $2.0K)
better than tier avg
46 of 64 Large CUs have this signature | 1330 nationally
↑ Growing +18 CUs YoY

Wallet Share Momentum

growth
#16 of 46 • Top 12.8% in tier

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

Why This Signature
AMR Growth (YoY): 5.33%
(Tier: 2.82%, National: 4.19%)
better than tier avg
46 of 64 Large CUs have this signature | 1330 nationally
↑ Growing +18 CUs YoY | Rank improving

Organic Growth Engine

growth
#40 of 50 • Top 26.3% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 4.52%
(Tier: 3.07%, National: 9.37%)
better than tier avg
Return on Assets: 0.19%
(Tier: 0.91%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 17.92%
(Tier: 16.60%, National: 7.90%)
but worse than tier avg
50 of 64 Large CUs have this signature | 917 nationally
→ Stable (52→50 CUs) -2 CUs YoY | Rank worsening

Concerns (4)

Growth-at-Risk

risk
#6 of 25 • Bottom 5.2% in tier

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

Why This Signature
Loan Growth (YoY): 11.49%
(Tier: 4.99%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.16% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
25 of 64 Large CUs have this signature | 646 nationally
↓ Shrinking -13 CUs YoY | New qualifier

Credit Quality Pressure

risk
#9 of 34 • Bottom 6.6% in tier

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

Why This Signature
Delinquency Change (YoY): 0.16% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
34 of 64 Large CUs have this signature | 1002 nationally
↓ Shrinking -17 CUs YoY | New qualifier

Efficiency Drag

risk
#5 of 6 • Bottom 19.0% in tier

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

Why This Signature
Efficiency Ratio: 82.24%
(Tier: 66.07%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -0.23% points
(Tier: 0.13% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): 4.52%
(Tier: 3.07%, National: 9.37%)
but better than tier avg
6 of 64 Large CUs have this signature | 624 nationally
→ Stable (8→6 CUs) -2 CUs YoY | New qualifier

Indirect Auto Dependency

risk
#25 of 33 • Bottom 24.2% in tier

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

Why This Signature
Asset Growth (YoY): 6.91%
(Tier: 4.60%, National: 3.04%)
but better than tier avg
Indirect Auto %: 17.92%
(Tier: 16.60%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 4.52%
(Tier: 3.07%, National: 9.37%)
but better than tier avg
33 of 64 Large CUs have this signature | 768 nationally
→ Stable (34→33 CUs) -1 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 30 peers in tier

Top Strengths (6 metrics)

3
Loan Growth Rate
growth
Value: 11.49%
Peer Avg: 3.91%
#3 of 30 Top 6.7% in 7B-10B tier
3
Deposit Growth Rate
growth
Value: 9.15%
Peer Avg: 4.48%
#3 of 30 Top 6.7% in 7B-10B tier
6
Asset Growth Rate
growth
Value: 6.91%
Peer Avg: 2.91%
#6 of 30 Top 16.7% in 7B-10B tier
6
AMR Growth Rate
growth
Value: 5.33%
Peer Avg: 1.77%
#6 of 30 Top 16.7% in 7B-10B tier
8
Member Growth Rate
growth
Value: 4.52%
Peer Avg: 2.85%
#8 of 30 Top 23.3% in 7B-10B tier
8
First Mortgage Concentration (%)
balance_sheet
Value: 28.09%
Peer Avg: 38.48%
#8 of 30 Top 23.3% in 7B-10B tier

Top Weaknesses (8 metrics)

30
Return on Assets (ROA)
profitability
Value: 0.19%
Peer Avg: 1.03%
#30 of 30 Bottom 3.3% in 7B-10B tier
30
Efficiency Ratio
profitability
Value: 82.24%
Peer Avg: 63.73%
#30 of 30 Bottom 3.3% in 7B-10B tier
28
Total Assets
balance_sheet
Value: $7.95B
Peer Avg: $8.92B
#28 of 30 Bottom 10.0% in 7B-10B tier
27
Total Loans
balance_sheet
Value: $4.86B
Peer Avg: $6.34B
#27 of 30 Bottom 13.3% in 7B-10B tier
26
Share Certificate Concentration (%)
balance_sheet
Value: 37.29%
Peer Avg: 26.92%
#26 of 30 Bottom 16.7% in 7B-10B tier
25
Loan-to-Share Ratio
balance_sheet
Value: 68.97%
Peer Avg: 85.44%
#25 of 30 Bottom 20.0% in 7B-10B tier
24
Net Worth Ratio
risk
Value: 10.67%
Peer Avg: 12.36%
#24 of 30 Bottom 23.3% in 7B-10B tier
24
Members Per Employee (MPE)
engagement
Value: 347.664
Peer Avg: 450.512
#24 of 30 Bottom 23.3% in 7B-10B tier