Hudson River Community Credit Union Corinth, New York
Hudson River Community Credit Union is a state-chartered credit union headquartered in Corinth, NY, established in 1954 (NCUA charter 24987), and it is regulated and insured by the NCUA. At Q2 2026 it reported 34,128 members and total assets of $364.2M, the 42nd largest of 267 credit unions headquartered in New York. Its net worth ratio was 15.29% at Q2 2026, in the well capitalized band.
Also written as Hudson River Community CU · Trade name filed with the NCUA: HRCCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 24987
- Headquarters
- Corinth, NY
- Established
- 1954
- Total assets, Q2 2026
- $364.2M
- Members, Q2 2026
- 34,128
- Net worth ratio, Q2 2026
- 15.29%
- Latest call report
- Q2 2026, NCUA 5300 · Hudson River Community Credit Union call report
- Asset rank in state
- 42nd of 267 in New York
- Routing number
- 221375132
- Branches
- 5
1- to 4-family residential and other consumer real estate loans are its largest loan category, $167.0M of $284.8M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.17% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 15.29% net worth ratio is above that band's 11.43% median.
Credit unions similar in size in New York
Credit unions merged into Hudson River Community Credit Union
Newspaper Employees Credit Union (2023) · Norton-Troy Employees Credit Union (2021) · Cohoes City Employees Credit Union (2014)
Frequently asked about Hudson River Community Credit Union
How big is Hudson River Community Credit Union?
At Q2 2026 it reported total assets of $364.2M and 34,128 members.
Where is Hudson River Community Credit Union headquartered?
It is headquartered in Corinth, NY, United States.
When was Hudson River Community Credit Union founded?
It was established in 1954, per NCUA records.
Is Hudson River Community Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 24987): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Hudson River Community Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Hudson River Community Credit Union well capitalized?
Its net worth ratio was 15.29% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Hudson River Community Credit Union's delinquency ratio?
Its delinquency ratio was 1.17% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Hudson River Community Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 93.41% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Corinth, NY 12822
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1954
- NCUA Charter #
- 24987
- RSSD ID
- 45382
- Members
- 34,128
- Potential members
- 557,642
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 2 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 15.29% | 11.43% | 85th top |
| Return on assets Middle half of peers: 0.43% to 1.23% | 1.36% | 0.81% | 79th top |
| Return on equity Middle half of peers: 3.87% to 9.84% | 8.92% | 7.02% | 67th above |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 3.83% | 3.70% | 58th above |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 70.16% | 76.55% | 71st above |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 1.06% | 1.24% | 64th above |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 1.17% | 0.68% | 24th bottom |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 4.89% | 4.92% | 48th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 93.41% | 75.66% | 89th position only |
Quarterly trends
Last 2 quarters of 5300 filings. How these charts are built
$364.2M total assets; $304.9M total shares and deposits; $284.8M total loans.
$55.7M net worth.
15.29% net worth ratio.
93.41% loan-to-share ratio.
1.17% delinquency ratio.
1.36% return on assets; 8.92% return on equity.
3.83% net interest margin.
34,128 members.
Quarterly trend: last 2 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 15.29% | 1.36% | 1.17% | 93.41% |
| March 31, 2026 | 14.92% | 0.93% | 0.85% | 90.88% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 1% of the loan book, above the typical credit-union range. Worth watching the trend in coming quarters. BankRegReports early-warning band.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.