MID-HUDSON VALLEY
Charter #15766 · Kingston, NY · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.42% sits at the 25th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 37th percentile but its structural peers at the 72nd — a 35-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | MID-HUDSON VALLEY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.68B | 37th pct | 72th pct |
| Members | 95,051 | 38th pct | 70th pct |
| Net worth ratio | 9.76% | 28th pct | 26th pct |
| Return on average assets | 0.42% | 23th pct | 25th pct |
| Net interest margin | 3.57% | 65th pct | 59th pct |
| Cost of funds | 1.43% | 33th pct | 54th pct |
| Loan-to-share | 72.04% | 18th pct | 33th pct |
| Delinquency 60+ days | 0.51% | 38th pct | 39th pct |
| Net charge-off ratio | 0.37% | 30th pct | 38th pct |
| Loan growth YoY | 2.30% | 58th pct | 64th pct |
| Share growth YoY | 3.52% | 39th pct | 43th pct |
| Efficiency ratio | 80.91% | 80th pct | 67th pct |
structural peer set hash: 477790872bd849cf9c7a8c869daeeb00… (reproducible)
Closest structural peers
This is the free public view
Claim MID-HUDSON VALLEY
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.