Side-by-side · Q2 2026 data
Rhinebeck Bank 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 | Rhinebeck Bank | Mid-Hudson Valley Federal Credit Union |
|---|---|---|
| TellerScore | 69 | 69 |
| Capital cushion | 59 (stronger) | 49 |
| Loan quality | 87 | 88 (stronger) |
| Earnings | 53 (stronger) | 48 |
| Funding & liquidity | 66 | 85 (stronger) |
| Problem-loan coverage | 95 | 95 |
| Peer percentile | 53rd | 54th |
| Total assets | $1.5B | $1.7B |
| Deposits / shares | $1.3B | $1.5B |
| Capital ratio | 10.93% (stronger) | 9.87% |
| Problem loans | 0.38% | 0.36% (stronger) |
| Net charge-offs | 0.14% (stronger) | 0.40% |
| Return on assets | 0.82% (stronger) | 0.71% |
| Loans ÷ deposits | 70.5% (stronger) | 75.6% |
| Uninsured deposits | 36.5% | 8.2% (stronger) |
| Offices | 13 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.5% | 36.9% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Rhinebeck Bank leads on 4 and Mid-Hudson Valley Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Kingston, NY
- Fishkill, NY
- Newburgh, NY
- Red Hook, NY
- Rhinebeck, NY