Mid-Hudson Valley Federal Credit Union (NCUA charter #15766) is based in Kingston, New York. Its Q2 2026 call report shows $1.7B in total assets and $1.5B in member shares and deposits and 11 offices.
Mid-Hudson Valley Federal Credit Union has a TellerScore of 69 out of 100 (moderate) based on Q2 2026 data — higher than 54% of its 454 credit unions with $1 billion – $10 billion. Among 268 credit unions headquartered in New York, it ranks 144th. Problem-loan coverage contributes the most (95/100, 2.7%); earnings contributes the least (48/100, 0.71%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 4 points (65 → 69), mostly because the earnings component improved by 10 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 64 |
| Q3 2024 | 68 |
| Q4 2024 | 67 |
| Q1 2025 | 65 |
| Q2 2025 | 65 |
| Q3 2025 | 65 |
| Q4 2025 | 66 |
| Q1 2026 | 65 |
| Q2 2026 | 69 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 10.03% |
| Q3 2024 | 10.07% |
| Q4 2024 | 9.83% |
| Q1 2025 | 9.62% |
| Q2 2025 | 9.59% |
| Q3 2025 | 9.84% |
| Q4 2025 | 9.81% |
| Q1 2026 | 9.76% |
| Q2 2026 | 9.87% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.72% |
| Q3 2024 | 0.30% |
| Q4 2024 | 0.38% |
| Q1 2025 | 0.32% |
| Q2 2025 | 0.44% |
| Q3 2025 | 0.56% |
| Q4 2025 | 0.54% |
| Q1 2026 | 0.51% |
| Q2 2026 | 0.36% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.49% |
| Q3 2024 | 0.56% |
| Q4 2024 | 0.49% |
| Q1 2025 | 0.27% |
| Q2 2025 | 0.45% |
| Q3 2025 | 0.51% |
| Q4 2025 | 0.54% |
| Q1 2026 | 0.41% |
| Q2 2026 | 0.71% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 69 | $1.7B | 9.87% | 0.36% | 0.71% | 75.6% |
| Q1 2026 | 65 | $1.7B | 9.76% | 0.51% | 0.41% | 72.0% |
| Q4 2025 | 66 | $1.7B | 9.81% | 0.54% | 0.54% | 73.0% |
| Q3 2025 | 65 | $1.6B | 9.84% | 0.56% | 0.51% | 72.9% |
| Q2 2025 | 65 | $1.6B | 9.59% | 0.44% | 0.45% | 71.2% |
| Q1 2025 | 65 | $1.6B | 9.62% | 0.32% | 0.27% | 71.3% |
| Q4 2024 | 67 | $1.6B | 9.83% | 0.38% | 0.49% | 73.5% |
| Q3 2024 | 68 | $1.5B | 10.07% | 0.30% | 0.56% | 75.1% |
| Q2 2024 | 64 | $1.5B | 10.03% | 0.72% | 0.49% | 75.5% |
454 peers · $1 billion – $10 billion
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in New York
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Beginnings Credit UnionCredit union Ithaca, NY | 77 out of 100, Strong | $1.5B | 14.0% | 0.69% | vs |
| The Summit Federal Credit UnionCredit union Rochester, NY | 72 out of 100, Strong | $1.5B | 11.3% | 0.34% | vs |
| Quorum Federal Credit UnionCredit union Purchase, NY | 59 out of 100, Moderate | $1.4B | 9.8% | 1.74% | vs |
| Self Reliance Financial Federal Credit UnionCredit union New York, NY | 79 out of 100, Strong | $2.0B | 17.2% | 0.63% | vs |
| Island Federal Credit UnionCredit union Hauppauge, NY | 60 out of 100, Moderate | $1.3B | 10.4% | 1.10% | vs |
| Suffolk Federal Credit UnionCredit union Medford, NY | 61 out of 100, Moderate | $2.1B | 8.5% | 0.52% | vs |
Deposit insurance
Is my money safe at Mid-Hudson Valley Federal Credit Union?
Yes. Mid-Hudson Valley Federal Credit Union is a federally insured credit union (NCUA charter #15766). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 8.2% of shares and deposits ($125.0M) are above the $250,000 NCUA insurance limit, close to the peer median of 9%. Insured balances are protected regardless of the score.
The net worth ratio is 9.87%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
11 locations
Branches
Mid-Hudson Valley Federal Credit Union lists 11 offices in 10 cities. Most locations:
- Kingston, NY (2)
- Fishkill, NY (1)
- Highland, NY (1)
- Middletown, NY (1)
- Newburgh, NY (1)
- Port Ewen, NY (1)
- Red Hook, NY (1)
- Rhinebeck, NY (1)
- Saugerties, NY (1)
- Woodstock, NY (1)
HMDA 2025
Mortgage lending
In 2025, Mid-Hudson Valley Federal Credit Union reported 1,217 home-loan applications under HMDA (LEI 5493001VQ02LHMFEXJ21): 659 originated ($126,295,000 total), 410 denied, and 105 withdrawn or closed by the applicant. Its denial rate on decided applications was 36.9%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Mid-Hudson Valley Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 15766
- RSSD ID
- 480581
- Primary regulator
- NCUA
- Established
- 1963
- Headquarters
- PO Box 1429, Kingston, NY 12402
- Employees
- 290
Quick answers
Mid-Hudson Valley Federal Credit Union: common questions
Is Mid-Hudson Valley Federal Credit Union NCUA insured?
Yes. Mid-Hudson Valley Federal Credit Union is a federally insured credit union (NCUA charter #15766). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Mid-Hudson Valley Federal Credit Union's TellerScore?
69 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Mid-Hudson Valley Federal Credit Union have?
11 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Kingston
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Self Reliance Financial Federal Credit UnionCredit union New York, NY | 79 out of 100, Strong | $2.0B | 17.2% | 0.63% | vs |
| Bank of GreeneBank Catskill, NY | 77 out of 100, Strong | $3.2B | 9.9% | 0.23% | vs |
| Greene County Commercial BankBank Catskill, NY | 73 out of 100, Strong | $1.3B | 10.1% | 0.00% | vs |
| Bank of MillbrookBank Millbrook, NY | 73 out of 100, Strong | $311.7M | 12.1% | 1.76% | vs |
| Rhinebeck BankBank Rhinebeck, NY | 69 out of 100, Moderate | $1.5B | 10.9% | 0.38% | vs |
| Ulster Federal Credit UnionCredit union Kingston, NY | 67 out of 100, Moderate | $179.0M | 10.3% | 0.81% | vs |