Side-by-side · Q2 2026 data
Island Federal Credit Union vs Mid-Hudson Valley Federal Credit Union
Credit union
Mid-Hudson Valley Federal Credit Union
Kingston, New York · $1 billion – $10 billion
Metric by metric
| Measure | Island Federal Credit Union | Mid-Hudson Valley Federal Credit Union |
|---|---|---|
| TellerScore | 60 | 69 (stronger) |
| Capital cushion | 54 (stronger) | 49 |
| Loan quality | 63 | 88 (stronger) |
| Earnings | 44 | 48 (stronger) |
| Funding & liquidity | 73 | 85 (stronger) |
| Problem-loan coverage | 85 | 95 (stronger) |
| Peer percentile | 25th | 54th |
| Total assets | $1.3B | $1.7B |
| Deposits / shares | $1.1B | $1.5B |
| Capital ratio | 10.40% (stronger) | 9.87% |
| Problem loans | 1.10% | 0.36% (stronger) |
| Net charge-offs | 0.33% (stronger) | 0.40% |
| Return on assets | 0.60% | 0.71% (stronger) |
| Loans ÷ deposits | 87.3% | 75.6% (stronger) |
| Uninsured deposits | 12.5% | 8.2% (stronger) |
| Offices | 5 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 31.6% | 36.9% |
Mid-Hudson Valley Federal Credit Union has the higher TellerScore (69 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Island Federal Credit Union leads on 2 and Mid-Hudson Valley Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.