Hudson Valley Credit Union
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.4 on a scale of 0 to 10). Fair current capitalization (3.7 on a scale of 0 to 10) based on a net capital to total assets of 6.0 and a net worth ratio of 0.0.
Other Rating Factors:
A current level of 5.0 percent of nonperforming loans to core capital combined with 5.3 percent from a year earlier contributes to the Excellent asset quality (7.9). Fair liquidity 3.1, driven by a liquidity ratio of 12.6 percent and a “hot money” ratio of 21.0 percent.
Asset Mix:
Consumer loans (18%), home mtgs (17%), securities (0%), other (64%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
137 Boardman Road
Poughkeepsie, NY 12603
Poughkeepsie, NY 12603
Phone Number
(845) 463-3011
NCUA Charter Number
Website
Largest Competitors
Bethpage, NY
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Poughkeepsie, NY