Side-by-side · Q2 2026 data
Jovia Financial Federal Credit Union vs Hudson Valley Federal Credit Union
Credit union
Jovia Financial Federal Credit Union
Westbury, New York · $1 billion – $10 billion
Credit union
Hudson Valley Federal Credit Union
Poughkeepsie, New York · $1 billion – $10 billion
Metric by metric
| Measure | Jovia Financial Federal Credit Union | Hudson Valley Federal Credit Union |
|---|---|---|
| TellerScore | 57 | 65 (stronger) |
| Capital cushion | 48 | 56 (stronger) |
| Loan quality | 57 | 80 (stronger) |
| Earnings | 50 (stronger) | 25 |
| Funding & liquidity | 72 | 90 (stronger) |
| Problem-loan coverage | 79 | 93 (stronger) |
| Peer percentile | 17th | 41st |
| Total assets | $4.6B | $8.1B |
| Deposits / shares | $4.1B | $7.2B |
| Capital ratio | 9.79% | 10.56% (stronger) |
| Problem loans | 1.28% | 0.60% (stronger) |
| Net charge-offs | 0.60% | 0.55% (stronger) |
| Return on assets | 0.74% (stronger) | 0.14% |
| Loans ÷ deposits | 88.7% | 70.1% (stronger) |
| Uninsured deposits | 8.2% (stronger) | 9.4% |
| Offices | 12 | 20 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Hudson Valley Federal Credit Union has the higher TellerScore (65 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Jovia Financial 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.