# HUDSON VALLEY
Poughkeepsie, NY · NCUA charter 68705 · asset band $1-10B · 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-valley-68705

Who the members are: state charter, organized 1963. 388,883 members of 3,437,970 potential (11.3% of the field); checking penetration 58% (share draft accounts per 100 members); loans per 100 members 49.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $8.08B |
| Members | 388,883 (4.7% YoY) |
| Full-time staff | 1084 |
| Net worth | $842.6M |
| Net worth ratio | 10.4% (p42 of band) |
| ROA (annualized) | 0.19% (p9 of band) |
| Total delinquency | 0.62% (p39 of band) |
| Net charge-offs (annualized) | 0.60% (p63 of band) |
| Loans / shares | 69% (p13 of band) |
| Cash / assets | 6.3% |
| Borrowings / assets | 3.71% |
| Net interest margin | 2.89% (p30 of band) |
| Operating expense / assets | 3.08% (p46 of band) |
| Vehicles % of loans | 23% (p40 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 75% |
| Third-party paper % of net worth | 181% (p61 of band) |
| Vehicle delinquency | 0.40% (p22 of band) |
| Vehicle NCO | 0.83% (p41 of band) |
| Repossessed % of vehicle book | 0.07% (p52 of band) |
| Real estate % of loans | 45% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 82% |
| Core shares % of member funds | 51% |
| Certificates % of member funds | 36% |
| Average share balance | $9,171 |
| Participations bought / yr | $219.6M |
| Participations sold / yr | $1.4M |
| Participations outstanding | – |
| Loans outstanding per 100 members | 49% |
| Loans granted per 100 members, annualized | 15% |
| Average loan balance | $25,529 |
| Loans granted, annualized | $1.67B |

## Flags firing in the latest filing

- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2019-12 | 2 | charge-offs p90, 3rd-party paper>100% NW |  |
| 2020-03 | 1 |  | charge-offs p90 |
| 2020-06 | 2 | net worth falling |  |
| 2020-09 | 1 |  | net worth falling |
| 2020-12 | 2 | loan book shrinking |  |
| 2021-03 | 2 | net worth falling | loan book shrinking |
| 2021-06 | 1 |  | net worth falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | delinquency 2x band |  |
| 2022-06 | 1 |  | delinquency 2x band |
| 2022-09 | 1 |  |  |
| 2022-12 | 2 | leaning on borrowings |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 3 | net worth falling |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 3 |  |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 3 |  |  |
| 2025-06 | 2 |  | leaning on borrowings |
| 2025-09 | 1 |  | net worth falling |
| 2025-12 | 1 |  |  |

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

- 2026-02-13 [Hudson Valley Credit Union Celebrates Grand Opening of New Paltz Branch - Capital Region Chamber of Commerce](https://news.google.com/rss/articles/CBMirwFBVV95cUxNOGdhY1Fyeko5RUMyc3dSNEx6NE1KYzRGYnk0QjFEWk50X3BkQWc0aWhSb1lkcjVhYWxfYzY2S0xoNm5OcnJzNGNLcTRhUXZsSFp4TGJGdzYyQXFPUHN3dW9BUEJPWUlLd1M4bTlaSWFkOXFLUmlLUXE5UkUwNlg0WUxGSXlXQ3ZZbFVHbklzY1hYMzJfNVlyTk1pajEtRW1oSkVRbTl0ODkxWlBjWDlZ?oc=5) · Capital Region Chamber of Commerce
- 2026-07-28 [Hudson Valley Credit Number of Employees 2026 | Employee Count & Headcount Data - reveliolabs.com](https://news.google.com/rss/articles/CBMid0FVX3lxTE9WaW5ua3g4LW55NnFEb1FBT1ZVUjlhZUppVmZkdWsweGdUYVZ0M3kxSmZOOTNGeGViX1BUTG5pVVE1TllJX3cwaUh6c3NJY2EyN3Y5M05vMUtvUHZaMGZuc0VWZzIzazBMaGt2bGt3UW02dVU5WE9B?oc=5) · reveliolabs.com
- 2026-02-09 [Credit unions: Putting members ahead of profits - The River Reporter](https://news.google.com/rss/articles/CBMilgFBVV95cUxPUkY3aXlyMkhEYWxWZnA1NG96YjZidE5iTHBRc29BRXhsYTdqdFZFWHpEYjNBc3ZoZFktdWJqU1c1dHpiS2NrT2NhVUY5ajd3LUJONDFaNmpzUXlpSUdoUEFKN3dqQ1hWbnJENmdkWWhzOFBsMWo2Slh4SEtZUmc2blJOUHJuRGUxTmp4SkhDM0g2R055Rnc?oc=5) · The River Reporter
- 2026-05-08 [Hudson Valley Credit Union moves Narrowsburg location - scdemocratonline.com](https://news.google.com/rss/articles/CBMiowFBVV95cUxQTU83NU1SNGFwVkdxa3NWRGpmbEp1dVc2Sk9TbFBzZmJRX1d2LWxUakF0V0pPSklHOFViWjlZTE52Y1ItdjY2b0ZhS0NqSEZJR1puYjNQWG02QnlESmtCcldFMkNKN3RGUXJwODc2RW5fWDFDUW1ZdmxXSVBYamtRNjZPTFNHbHNuenhNLXFRMFJXRmxFLWRUSkdETDYxTk4wZm9z?oc=5) · scdemocratonline.com
- 2026-06-24 [Hudson Valley Credit Union Invests in The Next Generation of Community Leaders - citybiz](https://news.google.com/rss/articles/CBMiuAFBVV95cUxPNFFyWnR5NzdVSW5PVm9zN1BtQlQ0N20xY0tVVUhuYlJPV3NfdUVYcGVjVFNmWHhGV21KdDBJbXh5UmhvZVJELXUzQWZkNFp1UzF5VUxZRVpLU2JtU3JidjBhU0UtaXRhRG9Zc2JMRk85dG5FTmZKeDVFenU2WFR0VmNDS09KU1h4RHdDMG1wbFU0bDlRODhKM0VtZ1NiWUp4S0VBUVNKYlF4VjY2TzZFclFXT3FKazY0?oc=5) · citybiz
- 2026-01-27 [Hudson Valley & Telco Triad Community CUs Unveil 5 Hires, Promotions - CUTimes](https://news.google.com/rss/articles/CBMipAFBVV95cUxQR3MzUzhhdzlmSEtNT1hRTFRHbXo5SWFQRFUzMURjMGU3NUdndmZtRzNnOVpmMWVWaEJWMTI4SjRyTGtVZVJ1aFpHNHNhLU1waEo5dW43U2dkUU1XWTFIUkpKYW9HUTRzdndQbHNLTXpJbDQwa3BabWNiYWlsMWtmclkxMXFnTFQzUUZ2dHlnd09vZlNRNm1tOEpmc0FYMDVxNWo3eA?oc=5) · CUTimes
- 2026-03-03 [2 Men Facing Felony Charges In Connection To Identity Theft Attempt - News12 | Hudson Valley](https://news.google.com/rss/articles/CBMioAFBVV95cUxNNFFWcXI4bTdKaTlNQkJTV09ic3ZBcEVxVHhWckxVUzI5NG5WVlFpY2NvN2tBTjJlTExYcWxsV1RJV0JOTHN0aHBYdGFDTkU0QXh6M0JVYy1TUkZyQXMwNkVJcWxkWGhIQ1llOFZfLWhmRHMzcU83OTQyRUVBbU51cURhQ3MxLWMzOTEyNmE5RENiT1NSSjdONlBMZk95N1df?oc=5) · News12 | Hudson Valley
- 2026-05-08 [Hudson Valley Credit Union Announces New Branch Location - 94.3 Lite FM](https://news.google.com/rss/articles/CBMibEFVX3lxTE1TSURFLUJLVlREa251Qmp2alJoMzh3aG5JRnlBOUdLTmdyc0phWUtSNzJHQ2h2dUZEemJUUVNGQ0tGWk82bnBwZVI4Y2JDcEJQQW1ZeThvUDFZb3JHQjhNY0RNazA2S2kwY2RBQw?oc=5) · 94.3 Lite FM

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68705 (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/33.json (key "68705", 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=68705
- 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