Hudson Valley Federal Credit Union
Major Rating Factors:
Fair current capitalization (4.2 on a scale of 0 to 10) based on a net capital to total assets of 6.5 and a net worth ratio of 10.5. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.1 on a scale of 0 to 10).
Other Rating Factors:
A current level of 5.0 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.0). Fair liquidity 3.1, driven by a liquidity ratio of 12.6 percent and a “hot money” ratio of 19.6 percent.
Asset Mix:
Consumer loans (18%), home mtgs (17%), comm loans (9%), securities (0%), other (56%)
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
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Poughkeepsie, NY