Credit Union Safety Analysis
Is Hudson River Community Credit Union Safe? Corinth, New York
Based on its Q2 2026 NCUA 5300 call report, Hudson River Community Credit Union has a net worth ratio of 15.29%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.17%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Hudson River Community Credit Union's net worth ratio is 15.29%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 15.29%
- Delinquency ratio (60+ days) (Q2 2026): 1.17%
- Return on assets (Q2 2026): 1.36%
- Loan-to-share ratio (Q2 2026): 93.41%
Hudson River Community Credit Union (NCUA charter 24987, established 1954) reported $364.2M in assets and 34,128 members for Q2 2026 from Corinth, New York. It ranks 42 of 267 credit unions in New York by total assets. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 14.92% for Q1 2026 .
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.85% for Q1 2026 .
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.93% for Q1 2026 .
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 90.88% for Q1 2026 .
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $167.0M
- Used vehicle loans: $57.4M
- New vehicle loans: $33.1M
- Other unsecured loans and lines of credit: $11.8M
- Other secured non-real estate loans and lines of credit: $7.5M
- Unsecured credit card loans: $7.4M
- Commercial loans: $341K
- Non-federally guaranteed student loans: $280K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $364.2M | 15.29% | 1.17% | 1.36% | 93.41% |
| March 31, 2026 | $364.8M | 14.92% | 0.85% | 0.93% | 90.88% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Hudson River Community Credit Union profile
Regulator records: NCUA credit union profile (charter 24987) · FFIEC NIC profile (RSSD 45382)
Frequently asked questions
Is Hudson River Community Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Hudson River Community Credit Union's net worth ratio is 15.29%, above the 7% NCUA threshold for well capitalized.
Is Hudson River Community Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Hudson River Community Credit Union is a federally insured credit union (NCUA charter 24987): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Hudson River Community Credit Union's key safety ratios?
For Q2 2026, Hudson River Community Credit Union reports net worth 15.29%, delinquency 1.17%, ROA 1.36%, loan-to-share 93.41%.
What happens to my money if Hudson River Community Credit Union fails?
For Q2 2026, Hudson River Community Credit Union held $304.9M in shares and deposits for 34,128 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.