Hudson Valley Credit Union
Major Rating Factors:
Fair current capitalization (3.6 on a scale of 0 to 10) based on a net capital to total assets of 5.9 and a net worth ratio of 11.3. Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.5 has resulted in Fair (3.3) profitability.
Other Rating Factors:
A current level of 5.3 percent of nonperforming loans to core capital combined with 3.9 percent from a year earlier contributes to the Excellent asset quality (7.9). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.2 on a scale of 0 to 10).
Asset Mix:
Consumer loans (19%), home mtgs (15%), securities (0%), other (65%)
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
Hauppauge, NY
Albany, NY
Rochester, NY
Poughkeepsie, NY
