Federal credit union · Kingston, New York · NCUA charter #15766
Mid-Hudson Valley
Health score 94/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $1.65B
- Total assets
- 94,851
- Members
- 9.8%
- Net-worth ratio
Mid-Hudson Valley scores 94/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.65B; members 94,851; net-worth ratio 9.76%; health rank #546 of 4,374; healthier than 87th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#546 of 4,374 health · 2025Q4Mid-Hudson Valley · health 94/100 · $1.65B · 2025Q4
- ROA 94/100
- ASSETS 9.8%
- MEM 0.54%
- RANK 0.46%
- PHOTO $1.65B
- BOOK 94,851
- CHARTER #546/4,374
- NCUSIF University of Kentucky
- CAMELS 15766
Call Report peers
Mid-Hudson Valley in the assets neighbourhood
Mid-Hudson Valley's $1.65B assets sit next to University of Kentucky ($1.65B) 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.
Mid-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
94 Top 13% higher than 87% 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
Mid-Hudson Valley - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #15766, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Where Mid-Hudson Valley diverges from peer averages
- Delinquency Rate leads the peer set - 0.54% here, 0.87% peer average (-0.34 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -10.86 pp (73.04% vs 83.90%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
New York standing for Mid-Hudson Valley
- New York health ordinal: #28 of 272.
- New York assets place: #17 of 272.
- Member book place in New York: #16 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.
Mid-Hudson Valley Call Report trajectory
Mid-Hudson Valley: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.5% from $1.65B (2025Q4) to $1.68B (2026Q1).
- Net-worth ratio shifted -0.05 pp (9.81% → 9.76%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 9.76%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 94/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 94.
- Net Worth Ratio 29.4 pts
- Delinquency Rate 24.6 pts
- Return on Assets 14.4 pts
- Member Growth 10.5 pts
- Loan-to-Share Ratio 15.1 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.76% | -1.42 pp |
| Delinquency Rate | 0.54% | -0.34 pp |
| Return on Assets | 0.46% | -0.05 pp |
| Member Growth | 1.27% | - |
| Loan-to-Share Ratio | 73.04% | -10.86 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).
Mid-Hudson Valley filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.68B | - |
| 2025Q4 | $1.65B | 94,851 |
| 2024Q4 | $1.56B | 93,666 |
| 2023Q4 | $1.44B | 92,952 |
Credit Union Details
- Charter Number
- 15766
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- New York
- City
- Kingston
- Data Quarter
- 2025Q4
Branch Locations (14)
Per its most recent NCUA branch filing, Mid-Hudson Valley runs 14 offices in 13 different cities.
| Office | City |
|---|---|
| Credit Union Center (Main Office) | Kingston, NY |
| Fishkill Branch | Fishkill, NY |
| Highland Branch | Highland, NY |
| Hurley Avenue Branch | Kingston, NY |
| LaGrange Branch | Lagrangeville, NY |
| Middletown Branch | Middletown, NY |
| Newburgh Branch | Newburgh, NY |
| Peekskill | Peekskill, NY |
| Port Ewen | Port Ewen, NY |
| Poughkeepsie Branch | Poughkeepsie, NY |
| Red hook Branch | Red Hook, NY |
| Rhinebeck Branch | Rhinebeck, NY |
| Saugerties Branch | Saugerties, NY |
| Woodstock Branch | Woodstock, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
Other federally-insured credit unions in New York, closest first by peer group and asset size.
Mid-Hudson Valley nationwide neighbourhoods
Mid-Hudson Valley's nationwide photo peers by assets and by health score, excluding New York charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.65B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (94/100 here).
Using this data
- Mid-Hudson Valley ranks #546 of 4,374 nationally on financial health and #28 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- BEGINNINGS is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with BEGINNINGS
- 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 Mid-Hudson Valley financially healthy?
A 9.76% net worth ratio and a 0.54% delinquency rate feed into Mid-Hudson Valley's financial health score of 94/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #546 of 4,374; by total assets it ranks #299 of 4,374 nationally (same basis as /rankings/largest); and #17 of 272 within New York. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Mid-Hudson Valley compare to other credit unions?
Mid-Hudson Valley scores 94/100 on PlainCU's health composite, compared to a peer group average for Over $500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 Mid-Hudson Valley?
Mid-Hudson Valley operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Mid-Hudson Valley directly for the exact boundaries and application steps.
Is my money safe at Mid-Hudson Valley?
Federal credit unions like Mid-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. Mid-Hudson Valley's net worth ratio of 9.76% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Mid-Hudson Valley offer compared to banks?
Credit unions like Mid-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 Mid-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.