Side-by-side · Q2 2026 data
Empower Federal Credit Union vs Hudson Valley Federal Credit Union
Credit union
Hudson Valley Federal Credit Union
Poughkeepsie, New York · $1 billion – $10 billion
Metric by metric
| Measure | Empower Federal Credit Union | Hudson Valley Federal Credit Union |
|---|---|---|
| TellerScore | 59 | 65 (stronger) |
| Capital cushion | 47 | 56 (stronger) |
| Loan quality | 65 | 80 (stronger) |
| Earnings | 52 (stronger) | 25 |
| Funding & liquidity | 68 | 90 (stronger) |
| Problem-loan coverage | 82 | 93 (stronger) |
| Peer percentile | 22nd | 41st |
| Total assets | $4.3B | $8.1B |
| Deposits / shares | $3.9B | $7.2B |
| Capital ratio | 9.67% | 10.56% (stronger) |
| Problem loans | 1.05% | 0.60% (stronger) |
| Net charge-offs | 0.72% | 0.55% (stronger) |
| Return on assets | 0.79% (stronger) | 0.14% |
| Loans ÷ deposits | 91.9% | 70.1% (stronger) |
| Uninsured deposits | 8.3% (stronger) | 9.4% |
| Offices | 11 | 20 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.2% | — |
Hudson Valley Federal Credit Union has the higher TellerScore (65 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Empower Federal Credit Union leads on 2 and Hudson Valley Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.