Credit Union Safety Analysis
Is Mid-Hudson Valley Federal Credit Union Safe? Kingston, New York
Based on its Q2 2026 NCUA 5300 call report, Mid-Hudson Valley Federal Credit Union has a net worth ratio of 9.87%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.36%, and its shares are NCUA insured up to $250,000 per member.
BankRegReports is independent of Mid-Hudson Valley Federal Credit Union and never asks for online banking logins or passwords.
Short answer
On its Q2 2026 NCUA 5300 call report, Mid-Hudson Valley Federal Credit Union's net worth ratio is 9.87%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 9.87%
- Delinquency ratio (60+ days) (Q2 2026): 0.36%
- Return on assets (Q2 2026): 1.01%
- Loan-to-share ratio (Q2 2026): 75.59%
Mid-Hudson Valley Federal Credit Union (NCUA charter 15766, established 1963) reported $1.70B in assets and 95,219 members for Q2 2026 from Kingston, New York. It ranks 17 of 267 credit unions in New York by total assets. Total assets grew 4.0% from $1.64B on June 30, 2025. 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.
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: 9.76% for Q1 2026; 9.59% for Q2 2025.
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: 0.51% for Q1 2026; 0.44% for Q2 2025.
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: 0.41% for Q1 2026; 0.65% for Q2 2025.
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: 72.04% for Q1 2026; 71.18% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $486.1M
- Used vehicle loans: $248.5M
- Commercial loans: $189.1M
- New vehicle loans: $92.7M
- Other unsecured loans and lines of credit: $48.5M
- Unsecured credit card loans: $31.8M
- Other secured non-real estate loans and lines of credit: $8.3M
- Non-federally guaranteed student loans: $2.4M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $1.70B | 9.87% | 0.36% | 1.01% | 75.59% |
| March 31, 2026 | $1.68B | 9.76% | 0.51% | 0.41% | 72.04% |
| December 31, 2025 | $1.65B | 9.81% | 0.54% | 0.64% | 73.04% |
| September 30, 2025 | $1.62B | 9.84% | 0.56% | 0.62% | 72.90% |
| June 30, 2025 | $1.64B | 9.59% | 0.44% | 0.65% | 71.18% |
| March 31, 2025 | $1.60B | 9.62% | 0.32% | 0.27% | 71.27% |
Add this badge to your website
Free to use. It shows Mid-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.
Mid-Hudson Valley Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 15766) · FFIEC NIC profile (RSSD 480581)
Frequently asked questions
Is Mid-Hudson Valley Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Mid-Hudson Valley Federal Credit Union's net worth ratio is 9.87%, above the 7% NCUA threshold for well capitalized.
Is Mid-Hudson Valley Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Mid-Hudson Valley Federal Credit Union is a federally insured credit union (NCUA charter 15766): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Mid-Hudson Valley Federal Credit Union's key safety ratios?
For Q2 2026, Mid-Hudson Valley Federal Credit Union reports net worth 9.87%, delinquency 0.36%, ROA 1.01%, loan-to-share 75.59%.
What happens to my money if Mid-Hudson Valley Federal Credit Union fails?
For Q2 2026, Mid-Hudson Valley Federal Credit Union held $1.52B in shares and deposits for 95,219 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.