Side-by-side · Q2 2026 data
Mid-Hudson Valley Federal Credit Union vs Ulster Federal 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 | Ulster Federal Credit Union |
|---|---|---|
| TellerScore | 69 (stronger) | 67 |
| Capital cushion | 49 | 53 (stronger) |
| Loan quality | 88 (stronger) | 73 |
| Earnings | 48 (stronger) | 45 |
| Funding & liquidity | 85 | 100 (stronger) |
| Problem-loan coverage | 95 (stronger) | 93 |
| Peer percentile | 54th | 41st |
| Total assets | $1.7B | $179.0M |
| Deposits / shares | $1.5B | $167.7M |
| Capital ratio | 9.87% | 10.33% (stronger) |
| Problem loans | 0.36% (stronger) | 0.81% |
| Net charge-offs | 0.40% | 0.25% (stronger) |
| Return on assets | 0.71% (stronger) | 0.62% |
| Loans ÷ deposits | 75.6% | 25.7% (stronger) |
| Uninsured deposits | 8.2% | 4.9% (stronger) |
| Offices | 11 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 36.9% | — |
Mid-Hudson Valley Federal Credit Union has the higher TellerScore (69 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Mid-Hudson Valley Federal Credit Union leads on 3 and Ulster Federal Credit Union on 4. 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.