BlastPoint's Credit Union Scorecard
HUDSON VALLEY
Charter #68705 · NY
HUDSON VALLEY has 5 strengths but faces 8 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 8.4% in tier
- + Organic Growth Engine: Top 26.3% in tier
- + Wallet Share Momentum: Top 88.2% 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
- - Credit Risk Growth: 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
|
27% |
| 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
|
27% |
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| 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
|
33% |
| 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
|
47% |
| 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
|
17% |
| 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
|
57% |
| 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
|
80% |
| 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
|
55% |
Signature Analysis
Strengths (3)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)