Credit Union Safety Analysis
Is Hudson Valley Federal Credit Union Safe? Poughkeepsie, New York
Based on its Q2 2026 NCUA 5300 call report, Hudson Valley Federal Credit Union has a net worth ratio of 10.56%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.60%, and its shares are NCUA insured up to $250,000 per member.
BankRegReports is independent of Hudson Valley Federal Credit Union and never asks for online banking logins or passwords.
Short answer
On its Q2 2026 NCUA 5300 call report, Hudson Valley Federal Credit Union's net worth ratio is 10.56%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 10.56%
- Delinquency ratio (60+ days) (Q2 2026): 0.60%
- Return on assets (Q2 2026): 0.08%
- Loan-to-share ratio (Q2 2026): 70.07%
Hudson Valley Federal Credit Union (NCUA charter 24984, established 1963) reported $8.05B in assets and 391,041 members for Q2 2026 from Poughkeepsie, New York. It ranks 6 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, $2.31B of $5.05B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.60% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 10.53% for Q1 2026 .
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 0.59% for Q1 2026 .
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 0.19% for Q1 2026 .
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 67.71% for Q1 2026 .
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $2.31B
- Used vehicle loans: $789.4M
- Commercial loans: $675.3M
- New vehicle loans: $388.9M
- Other unsecured loans and lines of credit: $226.3M
- Unsecured credit card loans: $125.3M
- Other secured non-real estate loans and lines of credit: $80.6M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $8.05B | 10.56% | 0.60% | 0.08% | 70.07% |
| March 31, 2026 | $8.11B | 10.53% | 0.59% | 0.19% | 67.71% |
Add this badge to your website
Free to use. It shows Hudson Valley Federal Credit Union’s latest filed figures and updates each quarter.
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 Valley Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 24984) · FFIEC NIC profile (RSSD 483180)
Frequently asked questions
Is Hudson Valley Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Hudson Valley Federal Credit Union's net worth ratio is 10.56%, above the 7% NCUA threshold for well capitalized.
Is Hudson Valley Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Hudson Valley Federal Credit Union is a federally insured credit union (NCUA charter 24984): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Hudson Valley Federal Credit Union's key safety ratios?
For Q2 2026, Hudson Valley Federal Credit Union reports net worth 10.56%, delinquency 0.60%, ROA 0.08%, loan-to-share 70.07%.
What happens to my money if Hudson Valley Federal Credit Union fails?
For Q2 2026, Hudson Valley Federal Credit Union held $7.21B in shares and deposits for 391,041 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.