BlastPoint's Credit Union Scorecard
HUDSON VALLEY
Charter #68705 · NY
HUDSON VALLEY has 3 strengths but faces 4 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 17.9% in tier
- + Organic Growth Engine: Top 75.5% in tier
- + Wallet Share Momentum: Top 100.0% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 76.5% in tier
- - Efficiency Drag: Bottom 100.0% in tier
- - ROA 0.77% below tier average
- - Efficiency ratio 17.60% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
388,883
+4.7% YoY+0.8% QoQ
|
-57.0K |
445,922
+0.4% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
30% |
| Assets |
$8.1B
+8.4% YoY+1.6% QoQ
|
$-854.2M |
$8.9B
+0.9% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
Bottom 12.1% in tier |
| Loans |
$4.9B
+11.2% YoY+0.6% QoQ
|
$-1.4B |
$6.3B
+0.8% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
Bottom 9.1% in tier |
| Deposits |
$7.1B
+9.1% YoY+1.2% QoQ
|
$-381.5M |
$7.5B
+1.2% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
30% |
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| ROA |
0.2%
-34.1% YoY+1.4% QoQ
|
-0.8% |
1.0%
+27.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
Bottom 0.0% in tier |
| NIM |
2.9%
+8.5% YoY+2.2% QoQ
|
-0.1% |
3.0%
+12.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
52% |
| Efficiency Ratio |
82.4%
+0.2% YoY+0.2% QoQ
|
+17.6% |
64.8%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
Top 3.0% in tier |
| Delinquency Rate |
0.6%
-8.2% YoY-9.3% QoQ
|
-0.1 |
0.7%
+5.5% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
36% |
| Loan To Share |
68.6%
+1.9% YoY-0.6% QoQ
|
-14.8% |
83.4%
-0.6% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
15% |
| AMR |
$30,938
+5.0% YoY+0.2% QoQ
|
$-3K |
$34,266
-1.7% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
54% |
| CD Concentration |
36.5%
-5.1% YoY-2.2% QoQ
|
+7.3% | 29.1% | 16.3% | 19.8% | 76% |
| Indirect Auto % |
17.2%
-4.6% YoY-3.9% QoQ
|
+0.1% | 17.1% | 2.6% | 7.8% | 51% |
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 (2)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)