# HUDSON RIVER COMMUNITY
Corinth, NY · NCUA charter 68342 · asset band $200-500M · latest filing 2025-12 · stopped filing after 2025-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/hudson-river-community-68342

Who the members are: state charter, organized 1954, low-income designated. 33,590 members of 557,230 potential (6.0% of the field); checking penetration 51% (share draft accounts per 100 members); loans per 100 members 40.

**Verdict on the desk:** this could be *ordinary*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $358.5M |
| Members | 33,590 (2.3% YoY) |
| Full-time staff | 72 |
| Net worth | $53.6M |
| Net worth ratio | 14.9% (p89 of band) |
| ROA (annualized) | 0.54% (p35 of band) |
| Total delinquency | 1.38% (p85 of band) |
| Net charge-offs (annualized) | 0.30% (p41 of band) |
| Loans / shares | 94% (p91 of band) |
| Cash / assets | 14.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.53% (p53 of band) |
| Operating expense / assets | 4.20% (p74 of band) |
| Vehicles % of loans | 31% (p45 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 53% |
| Third-party paper % of net worth | 89% (p52 of band) |
| Vehicle delinquency | 1.26% (p78 of band) |
| Vehicle NCO | 0.55% (p45 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 59% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 1% |
| Core shares % of member funds | 64% |
| Certificates % of member funds | 25% |
| Average share balance | $7,002 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 40% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $20,878 |
| Loans granted, annualized | $74.7M |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 2 | expense trap, loans>95% of shares |  |
| 2017-03 | 2 | net worth falling | expense trap |
| 2017-06 | 1 |  | net worth falling |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 3 | net worth falling, 3rd-party paper>100% NW |  |
| 2018-06 | 2 |  | net worth falling |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 3 | delinquency 2x band |  |
| 2019-06 | 2 |  | delinquency 2x band |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 3 | net worth falling |  |
| 2020-06 | 2 |  | loans>95% of shares |
| 2020-09 | 2 | margin squeeze | net worth falling |
| 2020-12 | 1 |  | margin squeeze |
| 2021-03 | 3 | margin squeeze, delinquency 2x band |  |
| 2021-06 | 1 |  | margin squeeze, delinquency 2x band |
| 2021-09 | 0 |  | 3rd-party paper>100% NW |
| 2021-12 | 1 | loans>95% of shares |  |
| 2022-03 | 1 | assets shrinking | loans>95% of shares |
| 2022-06 | 1 | loans>95% of shares | assets shrinking |
| 2022-09 | 4 | delinquency 2x band, delinquency rising, members leaving |  |
| 2022-12 | 5 | 3rd-party paper>100% NW |  |
| 2023-03 | 4 |  | members leaving |
| 2023-06 | 4 |  |  |
| 2023-09 | 3 | leaning on borrowings | delinquency 2x band, delinquency rising |
| 2023-12 | 3 | delinquency 2x band | leaning on borrowings |
| 2024-03 | 2 |  | delinquency 2x band |
| 2024-06 | 2 |  |  |
| 2024-09 | 3 | assets shrinking |  |
| 2024-12 | 2 |  | assets shrinking |
| 2025-03 | 2 | net worth falling | 3rd-party paper>100% NW |
| 2025-06 | 1 |  | net worth falling |
| 2025-09 | 1 |  |  |
| 2025-12 | 0 |  | loans>95% of shares |

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

- 2026-05-14 [Driver flees after SUV slams into Hudson River Community Credit Union, sheriff says - WRGB](https://news.google.com/rss/articles/CBMiywJBVV95cUxNcWNiWEY3eVJxclh4TEFnY09SQ2VWOHlXNjltaHJpZS00SGxHTXNXcC1CVnQ2SVZIbkp2amN2TE80Q0Z1UW1RLVJPVnBPRHhlRDNhT1RPZ1Iwa2wtU25FYjVWV1E2NkNBd0V4RjcwNXprblZEUEhyeWgxcTJRcnFITGlCMFR3Qi1oOHpEWG4wLUZqSDFxUUJLaHEtZ2hvTUZfelJQNXdLbHkwX3VwMUJGRFNMMFFfVkh4T3BCeWhyckNacmRXczBLOHE2ZWFTenVCZmhkbk1aYWxEVzZqSUxqNFdHbXF2R0lpcjFHZk96VmFGd2NhNXZOUmRiWXpjVDBVQXo5YzNXa3ljNl84UGc5OE1NRzJPR29keEpyWHVzdGlYRGlSVVVwdXdQOEhDZ1NFYkgtSnVpLTJ4RXpjRjcyYmFzUEZBYUYtTzVn?oc=5) · WRGB
- 2026-05-14 [Man charged after crashing into Kingsbury bank, starting fire nearby - NEWS10 ABC](https://news.google.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?oc=5) · NEWS10 ABC
- 2026-05-14 [Cohoes man accused with crashing into credit union, starting building on fire - WRGB](https://news.google.com/rss/articles/CBMizgFBVV95cUxNMmpMX2kxc3dESS1ITWtEamd5cFRnOGxPektqeDF0LWdHcEZUVGN2WTZlU0lodjFQUWtFeGR1RWs5emhXdzJtbzNWTXc4SHk3MDI1WGlDMGJsYUV3TFBPOXFYQnlqcVltc3NUWDB2UlgtdEVQOHBsT2ZXN0k4Qmx5cnJIc3dHNVUzZkhDOVM5Ymh0b2pfN182TVJKaHVZWDJWeW1fMnR3eUUtTmF3cEhEa3Q5eE01d0NqSmh5TUlGeXFPZ0NVblZldXZkZDhHdw?oc=5) · WRGB
- 2022-12-24 [Corinth housing project gets $1M grant - Times Union](https://news.google.com/rss/articles/CBMilAFBVV95cUxPNWh4Vko3QXVhVmtUcTRZR09IZWhfYTg2T19WSEptZmtrajVrZXBvQy10MVRjTVJRdHhfWjU5MjE4VS1TdC1tUTQza0hfY2JMeXZzQW42TzI2dDlDTmhtUS1RUktDcTAwZVBWUXJtb1ViektKSks3SFd0M1lkQVBHWlBXdENDVUhJMkg1eTRtdVVHU09F?oc=5) · Times Union
- 2026-05-15 [Cohoes man charged with arson after car crash, fire in Kingsbury - WNYT.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxNRFlQelR1WDFTdDlQaVEybnNqMGUzOXZTWnpmWEw1N0QxOGhyS1VsdmFodlVLNE5fRUNyWDlDQTVHVnhSQ1BQSmVaM093d0swZUZWMmswNE9yY1JVdmJQbHladlY0QkFidktsekhnLVNtRFZPRzljQ013ckZwU2hEcUE0bndKVkZiMFhzNlozcV90eHRjUkN0RQ?oc=5) · WNYT.com
- 2024-08-26 [RISE Opens Upstate New York Affordable Community - Multifamily Housing News](https://news.google.com/rss/articles/CBMiigFBVV95cUxONkJ5U2Z5V01EcTZwc3VUcElGdWcxU0dWMms3QUJDVEtDVUxmRnhNTERHaDRHNzNKMzBpS1ZSenZWR2d4cVFzdHVEQ2dzZzl5cEpvYXo4OTZtRGlqdTRTbVJqb0ZTNVJZNTZsWktWLXkzNWJpeVIyN2d5VklndGVQNVJ2TGVBTmhRWVE?oc=5) · Multifamily Housing News
- 2025-08-16 [Hudson River Mill Museum presented with $20K in repair funds - NEWS10 ABC](https://news.google.com/rss/articles/CBMioAFBVV95cUxPX3NxVUlGUkhYdHZRaG96aEt6T3lITmZ6SEhPbUJlR1BGTXRWUWZKaFNMS1dhOUVUcVdfajlNUF8yVldYdDI0UVZtd3ZnNVFIOEVuZURqUUFEM3BJN0d2b01pOVltZW5ZYXlGRmJvdl9tQ05oZ0s1TGlDNHhjNkZxaDZwaEFlV1JtNUFuV2lVeUU3eHZUb2NHZVJBdkNGS0t00gGmAUFVX3lxTFAwRWFuaDRCREdGU1MwcWJINDR0RHNuOU1LM2ZTakF5cGhkY2JUYmFibnJOSWh0WlNrbnE3M0hlNjV5d0hGYnFvQzZhNVlnQ3EwLUJLaXVSZ3JTUnY1Tm5wSGszSjdHYk1raHV5ZnZIcjdlRnBoVEs4cVgtbVJQT0k1b0pFN1d2S1hxQ0pMVkFNQzloWUI3QW1GdXI5ejRKY2dXRE15c1E?oc=5) · NEWS10 ABC
- 2021-10-17 [Charles Pacco Obituary (2005) - Glens Falls, NY - Post-Star - legacy.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxOaGVOZUROSGNuVDJILWlEWWIzY3NYckF6Z2VSM0hZc3lsWnZCVzNPclJZTWtFVUloRlBxQ2lkUzFpWjlHSFh2MHZEZWdXY2UtbUliWE1teVJwNWEtZk9EMlpiQUlvWmc2ODZnNkxPdGNaQ1FMMHFpWFVUYmFjVXJ5RG51cUpsM3dYSUZKUW1n?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68342 (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/54.json (key "68342", 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=68342
- 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