State credit union · Poughkeepsie, New York · NCUA charter #68705
Hudson Valley
Health score 95/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 95
- Health / 100
- $8.08B
- Total assets
- 388,883
- Members
- 10.5%
- Net-worth ratio
Hudson Valley scores 95/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $8.08B; members 388,883; net-worth ratio 10.51%; health rank #405 of 4,374; healthier than 90th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#405 of 4,374 health · 2025Q4Hudson Valley · health 95/100 · $8.08B · 2025Q4
- MEM 95/100
- RANK 10.5%
- PHOTO 0.62%
- BOOK 0.27%
- CHARTER $8.08B
- NCUSIF 388,883
- CAMELS #405/4,374
- HEALTH SUMMIT
- NW 68705
Call Report peers
Hudson Valley in the assets neighbourhood
Hudson Valley's $8.08B assets sit next to SUMMIT ($8.10B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Hudson Valley vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
95 Top 10% higher than 90% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Hudson Valley - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #68705 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Hudson Valley vs Over $500M peers
- Largest favorable gap: Delinquency Rate at 0.62% vs peer 0.87% (-0.26 pp).
- Loan-to-Share Ratio trails the peer set - 68.56% here, 83.90% peer average (-15.34 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Hudson Valley: in-state Call Report ranks
- Health composite ranks #25 of 272 among scored New York credit unions.
- Assets rank #6 of 272 inside New York ($8.08B reported).
- Member book place in New York: #6 of 272.
In-state ordinals use the live credit_unions table for NY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Hudson Valley Call Report trajectory
Hudson Valley: total assets by quarter
3 Call Report filings on this page's own vintage chain
- Assets moved +8.4% from $7.45B (2024Q4) to $8.08B (2025Q4).
- Membership moved +4.7% from 371,457 to 388,883 over the same window.
- Net-worth ratio shifted -0.76 pp (11.27% → 10.51%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
10.51% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 95/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 95.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.8 pts
- Return on Assets 11.6 pts
- Member Growth 14.6 pts
- Loan-to-Share Ratio 15.0 pts
Hudson Valley vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.51% | -0.67 pp |
| Delinquency Rate | 0.62% | -0.26 pp |
| Return on Assets | 0.27% | -0.23 pp |
| Member Growth | 4.69% | - |
| Loan-to-Share Ratio | 68.56% | -15.34 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Hudson Valley filing history
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $8.08B | 388,883 |
| 2024Q4 | $7.45B | 371,457 |
| 2023Q4 | $7.06B | 357,235 |
Credit Union Details
- Charter Number
- 68705
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- New York
- City
- Poughkeepsie
- Data Quarter
- 2025Q4
Nearby Credit Unions in New York
More federally-insured credit unions based in New York, ordered by peer group match and asset size.
Cross-state Call Report peers for Hudson Valley
Two NCUA Call Report peer sets for Hudson Valley, both outside New York so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($8.08B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (95/100 here).
Using this data
- Hudson Valley ranks #405 of 4,374 nationally on financial health and #25 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- BROADVIEW is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with BROADVIEW
- Rates and health both vary by institution, not just by state -- see how New York credit unions compare overall before assuming this one is typical. New York state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Hudson Valley financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Hudson Valley carries a financial health score of 95/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #405 of 4,374; by total assets it ranks #50 of 4,374 nationally (same basis as /rankings/largest); and #6 of 272 within New York. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 10.51% net worth ratio and a 0.62% delinquency rate.
How does Hudson Valley compare to other credit unions?
On PlainCU's health composite, Hudson Valley lands at 95/100, compared to a peer group average for Over $500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Hudson Valley?
Membership eligibility for Hudson Valley depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Hudson Valley directly for current membership requirements and application steps.
Is my money safe at Hudson Valley?
Federal credit unions like Hudson Valley are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Hudson Valley's net worth ratio of 10.51% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Hudson Valley offer compared to banks?
Credit unions like Hudson Valley are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Hudson Valley directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.