Side-by-side · Q2 2026 data
Co-Operative Federal Credit Union vs Mid-Hudson Valley Federal Credit Union
Credit union
Co-Operative Federal Credit Union
Woodridge, New York · Under $100 million in assets
Credit union
Mid-Hudson Valley Federal Credit Union
Kingston, New York · $1 billion – $10 billion
Metric by metric
| Measure | Co-Operative Federal Credit Union | Mid-Hudson Valley Federal Credit Union |
|---|---|---|
| TellerScore | 72 (stronger) | 69 |
| Capital cushion | 100 (stronger) | 49 |
| Loan quality | 64 | 88 (stronger) |
| Earnings | 7 | 48 (stronger) |
| Funding & liquidity | 100 (stronger) | 85 |
| Problem-loan coverage | 99 (stronger) | 95 |
| Peer percentile | 44th | 54th |
| Total assets | $3.3M | $1.7B |
| Deposits / shares | $2.5M | $1.5B |
| Capital ratio | 23.20% (stronger) | 9.87% |
| Problem loans | 1.08% | 0.36% (stronger) |
| Net charge-offs | -0.65% (stronger) | 0.40% |
| Return on assets | -0.33% | 0.71% (stronger) |
| Loans ÷ deposits | 17.5% (stronger) | 75.6% |
| Uninsured deposits | 0.0% (stronger) | 8.2% |
| Offices | 1 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 36.9% |
Co-Operative Federal Credit Union has the higher TellerScore (72 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Co-Operative Federal Credit Union leads on 5 and Mid-Hudson Valley Federal Credit Union on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.