Side-by-side · Q2 2026 data
Rondout Savings 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 | Rondout Savings Bank | Mid-Hudson Valley Federal Credit Union |
|---|---|---|
| TellerScore | 64 | 69 (stronger) |
| Capital cushion | 48 | 49 (stronger) |
| Loan quality | 94 (stronger) | 88 |
| Earnings | 31 | 48 (stronger) |
| Funding & liquidity | 65 | 85 (stronger) |
| Problem-loan coverage | 97 (stronger) | 95 |
| Peer percentile | 26th | 54th |
| Total assets | $512.0M | $1.7B |
| Deposits / shares | $449.3M | $1.5B |
| Capital ratio | 9.79% | 9.87% (stronger) |
| Problem loans | 0.19% (stronger) | 0.36% |
| Net charge-offs | 0.00% (stronger) | 0.40% |
| Return on assets | 0.27% | 0.71% (stronger) |
| Loans ÷ deposits | 90.7% | 75.6% (stronger) |
| Uninsured deposits | 19.4% | 8.2% (stronger) |
| Offices | 5 | 11 |
| 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 64). On the 7 directional measures above (where higher or lower is clearly better), Rondout Savings Bank 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.