# MID-HUDSON VALLEY
Kingston, NY · NCUA charter 15766 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/mid-hudson-valley-15766

Who the members are: federal charter, community charter, organized 1963. 95,051 members of 2,454,461 potential (3.9% of the field); checking penetration 60% (share draft accounts per 100 members); loans per 100 members 45.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $1.68B |
| Members | 95,051 (1.0% YoY) |
| Full-time staff | 259 |
| Net worth | $163.7M |
| Net worth ratio | 9.8% (p28 of band) |
| ROA (annualized) | 0.41% (p24 of band) |
| Total delinquency | 0.51% (p39 of band) |
| Net charge-offs (annualized) | 0.36% (p32 of band) |
| Loans / shares | 72% (p18 of band) |
| Cash / assets | 10.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.54% (p65 of band) |
| Operating expense / assets | 3.57% (p68 of band) |
| Vehicles % of loans | 30% (p59 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 85% |
| Third-party paper % of net worth | 188% (p65 of band) |
| Vehicle delinquency | 0.28% (p18 of band) |
| Vehicle NCO | 0.52% (p19 of band) |
| Repossessed % of vehicle book | 0.16% (p74 of band) |
| Real estate % of loans | 42% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 113% |
| Core shares % of member funds | 57% |
| Certificates % of member funds | 31% |
| Average share balance | $8,077 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $29.8M |
| Loans outstanding per 100 members | 45% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $25,180 |
| Loans granted, annualized | $303.1M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $29.8M outstanding purchased (18.2% of net worth), $488,108 sold and retained. Sold in 0 and bought in 6 of the last 8 quarters. Shares 4.3% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **delinquency rising** (`aq_dq_rising`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | thin capital, delinquency 2x band, 3rd-party paper>100% NW |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 2 |  | thin capital |
| 2016-12 | 2 |  |  |
| 2017-03 | 4 | thin capital, net worth falling |  |
| 2017-06 | 4 |  |  |
| 2017-09 | 1 |  | delinquency 2x band, thin capital, net worth falling |
| 2017-12 | 4 | thin capital, losing money, delinquency 2x band |  |
| 2018-03 | 2 |  | losing money, delinquency 2x band |
| 2018-06 | 3 | delinquency 2x band |  |
| 2018-09 | 2 |  | delinquency 2x band |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 | delinquency 2x band | thin capital |
| 2019-09 | 2 |  |  |
| 2019-12 | 3 | delinquency rising |  |
| 2020-03 | 3 |  |  |
| 2020-06 | 4 | thin capital, net worth falling | delinquency rising |
| 2020-09 | 4 |  |  |
| 2020-12 | 5 | margin squeeze |  |
| 2021-03 | 5 |  |  |
| 2021-06 | 3 |  | net worth falling, margin squeeze |
| 2021-09 | 3 |  |  |
| 2021-12 | 2 |  | delinquency 2x band |
| 2022-03 | 2 |  |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 1 |  | thin capital |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 2 | delinquency rising |  |
| 2024-09 | 1 |  | delinquency rising |
| 2024-12 | 1 |  |  |
| 2025-03 | 2 | net worth falling |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 | delinquency rising | net worth falling |
| 2025-12 | 1 |  | delinquency rising |
| 2026-03 | 3 | net worth falling, delinquency rising |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-01 [Building What Matters: Finding Your Way to a First Home with MHV Credit Union - Chronogram Magazine](https://news.google.com/rss/articles/CBMivAFBVV95cUxQNVlzbHBCOGs4eXZfOERsdndfOHczSGJKOFlZLVhrM3YzUUFOVjNSSXdwTUtOWW5GY1F4RFBMMXNkV3h3WnlsdlFQOWM1OC1Ja3pKS184eE9BYzRud0tBalphRmZIQzN6dmtIbUMxaTdnRjNtOHktYkJpUk9nWlR1RlNSWFplSEFkV3RFQ0xsaXNSNlFCb214c2JwOXp4aEtGQ1YxQkt0YWp0SGRWanVST1o2ZXNYZDE5V0wtWg?oc=5) · Chronogram Magazine
- 2025-11-10 [Mid-Hudson Valley Federal Credit Union selects Razi Qadri as President/CEO - CUInsight](https://news.google.com/rss/articles/CBMitgFBVV95cUxPb0dLMFgwR291blJVYUt2SE1WbGlVUW9nRlFrb1d6MnpwTDNLUjRveDdUOHJUTngwcGU1VG90R0NMSXg2TFIwWktHRVY4QWFSdkE2TnV4ejF6aGR2WXFBbHZyNG1zdkVWUGJyM1lDYWk3Y2NlOVY5MFV6bi13b3pUck9ucm1BcEg5eWY1Yi02T19ZSmt2MHF6X2hMRHRKcUp4RFBGalNjSi1ieEc3cHlhVDllcFpjdw?oc=5) · CUInsight
- 2025-11-12 [Mid-Hudson Valley FCU Selects Razi Qadri to Succeed Wayne Winkler as CEO - CUTimes](https://news.google.com/rss/articles/CBMirAFBVV95cUxNeUxMOVVtTG1Lc2hDUnV4VnVvR1k1RHkzZXUxaDJvVGhnT0gtRE9fTU4zVkV2WjZfdGQ4TG9DbS1Zb2tBVE81ZVhEUk9vMlkwb3pOVEJfLUQwLWgzSXhzOXJBWldxd183Szh0OVhHalJhZlNxQTJmbk40a1lMYXFXZWQzOExzdTU5Ylk5VXdpaXZWaW9mblZfY2tfQURiSXRIQmNLcW5zdXgzYnVo?oc=5) · CUTimes
- 2026-05-06 [92-year-old man injured after medical incident causes him to crash car into credit union in Red Hook - Daily Freeman](https://news.google.com/rss/articles/CBMi2AFBVV95cUxOdXkzV3Q4cnFwbG1OMllMM3F6WmQtd2hJU2tCQ3FmNFBoN1Z0QlUxZWdST21jUkE2VkQ5YmFPUUxCajJaYVZ1UDdpVl9tdzAyajRzTjVYMFhvT2FQUE5VaTVFYmtZXzdkYkdjU3VRNFc2MjNqeW5pMk52dVhMbTFnS2wwNXFaS0J5cThRRWhCbk5uaDZXWUJhdHdveTJVRE1pZWcwZ3A2cXJoU0Fxem1GMmwtN1dGMFMyc24xX0dHWFppbi1pdU9rZm1VT1BWYkNWdWQ5YzZsVUQ?oc=5) · Daily Freeman
- 2026-06-26 [Man Tries Cashing Bogus $2.5K Check Issued From Ambulance Company In Red Hook: Cops - DailyVoice.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxNNmlnekdVM2hIOHRkcURtOU9VM2R0N195OUl3Z0MyRGN6Y2w3VzNGV0VvR2JtUVFWaUlyODFLejhCZVZNS2xGcy1lZk5JZ3h4bDl1cmVZUEhyT29EclpfRklIRmxqVTRFT1RTUFFzSlBhdGx0YkU1VUs1aVV2VEJMbktBRDVoZ3VrQ3daUHo5Vmt2dw?oc=5) · DailyVoice.com
- 2026-05-25 [Community Foundation hosts record-setting Hudson Valley Gives - The River Reporter](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQOENfajVoeFhPRHNTN0JMQW1ldVRSd2NlT1dyMHVLQWI3Qnh5Skd2UW9KZ2R2a0lIT0ZXOHNVeXFRWm4xWHg4eGRFWGJJZlY4akVpZWw2TVpVTWhvd1RNazJrYk1rbXRQTGRGS2VtQlNqeXh3VTRad0lEZU9fb2l3dzdYRDRxejZpczRrSUQ2SjF0aURINHZtdWFzRjZBYlRGNWtjV2dzcDI3QQ?oc=5) · The River Reporter
- 2025-05-28 [Navigating financial turbulence: How Mid-Hudson Valley Federal Credit Union used AWS AI/ML to enhance forecasting and decision-making | Amazon Web Services - Amazon Web Services (AWS)](https://news.google.com/rss/articles/CBMihgJBVV95cUxPbkxnYkR2dlN5ckFvUmNwLUJIbXhzSWhSU1V2TW1GZVpOQ0pKX0RzZVVCVEcyZXdGVmxUc3JNT2s0NXNNdFFqQ2VNQnJDQ1c1VS0tTVE5ZXBoUmN4SDJncFczVnpEM1F4Q3F2TTVCdkxZVUh0SmRVYkFiQldQRzk4bVNSWVAwN25EcnB6NWt2Q2NhZHlwQm1rR2JjaVFJaWo2dlZadjZ6ZFFnUzRzODdud20xRFhoa2paUGpCZ1JIRmM0QzJoTGhtQVJSellRNVRXemtWczdGZjUwVlFzZVd2WG5JZUx0LUxqNjQ0Z1JlR0NTbThibV9KdV8xODh1ZHZTakxTR0Z3?oc=5) · Amazon Web Services (AWS)
- 2026-05-06 [Car Slams Into Credit Union Building After Driver, 92, Suffers Medical Episode In Red Hook - DailyVoice.com](https://news.google.com/rss/articles/CBMivAFBVV95cUxOQmpkWVRFS1BDZlRwdjJzYkNham9GNjc0UFY5amZHdFNwTVZsOEU1ZzFELUhqbEUxTlZTUDRjandyWDh4elM2eXNVVjd2QjJqU3pTZmdMaVlFS1BZOGY3dnFlWlBRbnlmS1lJRi1raUExNE4yZVgxZE9mNmdMQjRhX3ZfRHlZY3liclYzS3g0SGhoTTNTTm5CbzJ6b3F5czdBTENfQ3ZQYlRXemxGdFMwQnROWGtvaFZSNXBjag?oc=5) · DailyVoice.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=15766 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/22.json (key "15766", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=15766
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide