Side-by-side · Q2 2026 data
Ulster 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 | Ulster Savings Bank | Mid-Hudson Valley Federal Credit Union |
|---|---|---|
| TellerScore | 53 | 69 (stronger) |
| Capital cushion | 48 | 49 (stronger) |
| Loan quality | 49 | 88 (stronger) |
| Earnings | 42 | 48 (stronger) |
| Funding & liquidity | 70 | 85 (stronger) |
| Problem-loan coverage | 76 | 95 (stronger) |
| Peer percentile | 11th | 54th |
| Total assets | $1.4B | $1.7B |
| Deposits / shares | $1.2B | $1.5B |
| Capital ratio | 9.79% | 9.87% (stronger) |
| Problem loans | 1.54% | 0.36% (stronger) |
| Net charge-offs | 0.03% (stronger) | 0.40% |
| Return on assets | 0.55% | 0.71% (stronger) |
| Loans ÷ deposits | 83.6% | 75.6% (stronger) |
| Uninsured deposits | 20.7% | 8.2% (stronger) |
| Offices | 15 | 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 53). On the 7 directional measures above (where higher or lower is clearly better), Ulster Savings Bank leads on 1 and Mid-Hudson Valley Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Kingston, NY
- Newburgh, NY
- Red Hook, NY
- Saugerties, NY
- Woodstock, NY