Side-by-side · Q2 2026 data
Mid-Hudson Valley Federal Credit Union vs Beginnings Credit Union
Credit union
Mid-Hudson Valley Federal Credit Union
Kingston, New York · $1 billion – $10 billion
Metric by metric
| Measure | Mid-Hudson Valley Federal Credit Union | Beginnings Credit Union |
|---|---|---|
| TellerScore | 69 | 77 (stronger) |
| Capital cushion | 49 | 90 (stronger) |
| Loan quality | 88 (stronger) | 77 |
| Earnings | 48 | 49 (stronger) |
| Funding & liquidity | 85 (stronger) | 78 |
| Problem-loan coverage | 95 (stronger) | 93 |
| Peer percentile | 54th | 82nd |
| Total assets | $1.7B | $1.5B |
| Deposits / shares | $1.5B | $1.3B |
| Capital ratio | 9.87% | 14.01% (stronger) |
| Problem loans | 0.36% (stronger) | 0.69% |
| Net charge-offs | 0.40% | 0.39% (stronger) |
| Return on assets | 0.71% | 0.73% (stronger) |
| Loans ÷ deposits | 75.6% (stronger) | 82.3% |
| Uninsured deposits | 8.2% (stronger) | 9.2% |
| Offices | 11 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 36.9% | — |
Beginnings Credit Union has the higher TellerScore (77 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Mid-Hudson Valley Federal Credit Union leads on 3 and Beginnings Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.