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
Call Report peers
Hudson Valley in the assets neighbourhood
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Hudson Valley vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Hudson Valley sits in 95-99 with 391 others.
95 Top 10% higher than 90% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in New York, TRUNORTHERN (#24) ties at 95/100; one place down, SUFFOLK (#26) ties at 95/100.
Hudson Valley Call Report trajectory
Hudson Valley: total assets by quarter
2023Q4 to 2025Q4, NCUA 5300
- 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%).
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
Hudson Valley gives up 5 points in total. Return on Assets costs the most, 3.4 of its 15; Net Worth Ratio scores full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is Hudson Valley financially healthy?
Hudson Valley has a financial health score of 95/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #405 of 4,374 nationally on health and #25 of 272 in New York. Its net worth ratio is 10.51% and its delinquency rate 0.62%.
How does Hudson Valley compare to other credit unions?
Hudson Valley scores 95/100, higher than 90% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is delinquency rate (0.62% vs 0.87%). Its widest shortfall is loan-to-share ratio (68.56% vs 83.90%).
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?
Hudson Valley is a state-chartered credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.