Mid-Hudson Valley Federal Credit Union Kingston, New York
Mid-Hudson Valley Federal Credit Union is a federal credit union headquartered in Kingston, NY, established in 1963 (NCUA charter 15766), and it is regulated and insured by the NCUA. At Q2 2026 it reported 95,219 members and total assets of $1.70B (up 4.0% from Q2 2025), the 17th largest of 267 credit unions headquartered in New York. Its net worth ratio was 9.87% at Q2 2026, in the well capitalized band.
Also written as Mid-Hudson Valley FCU · Trade names filed with the NCUA: MHVFCU and MHV Federal Credit Union
BankRegReports is independent of Mid-Hudson Valley Federal Credit Union and never asks for online banking logins or passwords.
Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 15766
- Headquarters
- Kingston, NY
- Established
- 1963
- Total assets, Q2 2026
- $1.70B
- Assets vs Q2 2025
- +4.0%
- Members, Q2 2026
- 95,219
- Net worth ratio, Q2 2026
- 9.87%
- Latest call report
- Q2 2026, NCUA 5300 · Mid-Hudson Valley Federal Credit Union call report
- Asset rank in state
- 17th of 267 in New York
- Routing number
- 221976243
- Branches
- 14
It has 737 more members than on June 30, 2025 (+0.8%). Its net worth ratio was up 0.28 percentage points from 9.59% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $486.1M of $1.15B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.36% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 9.87% net worth ratio is below that band's 10.89% median.
Credit unions similar in size in New York
Credit unions merged into Mid-Hudson Valley Federal Credit Union
Central Hudson Employees Federal Credit Union (2016) · Bridgeway Federal Credit Union (2016)
Frequently asked about Mid-Hudson Valley Federal Credit Union
How big is Mid-Hudson Valley Federal Credit Union?
At Q2 2026 it reported total assets of $1.70B and 95,219 members.
Where is Mid-Hudson Valley Federal Credit Union headquartered?
It is headquartered in Kingston, NY, United States.
When was Mid-Hudson Valley Federal Credit Union founded?
It was established in 1963, per NCUA records.
Is Mid-Hudson Valley Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 15766): 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 Mid-Hudson Valley Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Mid-Hudson Valley Federal Credit Union well capitalized?
Its net worth ratio was 9.87% 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 Mid-Hudson Valley Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.36% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Mid-Hudson Valley Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 75.59% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Kingston, NY 12401
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1963
- NCUA Charter #
- 15766
- RSSD ID
- 480581
- Members
- 95,219
- Potential members
- 2,454,461
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 2 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 9.87% | 10.89% | 26th below |
| Return on assets Middle half of peers: 0.59% to 1.25% | 1.01% | 0.89% | 59th above |
| Return on equity Middle half of peers: 5.37% to 10.92% | 10.24% | 8.07% | 69th above |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 3.68% | 3.45% | 66th above |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 76.65% | 70.59% | 27th below |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 1.26% | 1.68% | 81st top |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.36% | 0.68% | 84th top |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 4.94% | 5.12% | 39th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 75.59% | 88.03% | 22nd position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$1.70B total assets against $1.64B; $1.52B total shares and deposits against $1.47B; $1.15B total loans against $1.04B.
$168.0M net worth against $157.0M.
9.87% net worth ratio against 9.59%.
75.59% loan-to-share ratio against 71.18%.
0.36% delinquency ratio against 0.44%.
1.01% return on assets against 0.65%; 10.24% return on equity against 6.74%.
3.68% net interest margin against 3.34%.
95,219 members against 94,482.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 9.87% | 1.01% | 0.36% | 75.59% |
| March 31, 2026 | 9.76% | 0.41% | 0.51% | 72.04% |
| December 31, 2025 | 9.81% | 0.64% | 0.54% | 73.04% |
| September 30, 2025 | 9.84% | 0.62% | 0.56% | 72.90% |
| June 30, 2025 | 9.59% | 0.65% | 0.44% | 71.18% |
| March 31, 2025 | 9.62% | 0.27% | 0.32% | 71.27% |
Scroll sideways to see every column.
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.