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Overview / Commentary
25 Rykowski Ln
Middletown, NY 10941-4019

Hudson Heritage Credit Union is headquartered in Middletown and is the 35th largest credit union in the state of New York. It is also the 684th largest credit union in the nation. It was established in 1940 and as of March of 2014, it had grown to 96 employees and 30,820 members. Hudson Heritage Credit Union has a A+ health rating.

Field of Membership Restrictions

Must live, work, worship, attend school or volunteer in Orange, Ulster or Dutchess County, New York. - See Details

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Hudson Heritage Credit Union had $2.03 million in non-current loans and owned real-estate with $32.31 million in equity and loan loss allowances on hand to cover it. This gives Hudson Heritage Credit Union a Texas Ratio of 6.28% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Hudson Heritage Credit Union decreased dramatically from 9.03% as of March 31, 2013 to 6.28% as of March 31, 2014, resulting in a positive change of 30.47%.This indicates that the balance sheet and financial strength for Hudson Heritage Credit Union has improved dramatically in recent periods.

Deposit Growth


In the past year, Hudson Heritage Credit Union has increased its total deposits by $37.32 million, resulting in 15.86% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Hudson Heritage Credit Union has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Hudson Heritage Credit Union has $306.9 million in assets with $32.31 million in equity, resulting in a capitalization level of 10.53%, which is above average.

Institution Statistics

NCUA #3962
Year Chartered1940
Primary Regulator
Assets and Liabilities
Assets$306.90 million
Loans$215.92 million
Deposits$272.59 million
Equity Capital$30.61 million
Loan Loss Allowance$1.70 million
Unbacked Noncurrent Loans$1.79 million
Real Estate Owned$243,000
Historic Data - March 2013
Assets$273.31 million
Equity Capital$28.63 million
Loan Loss Allowance$1.45 million
Unbacked Noncurrent Loans$1.79 million
Real Estate Owned$133,000
Profit Margin - Quarterly
Net Interest Margin1.2%
Return on Assets0.25%
Return on Equity2.47%
Interest Income$2.99 million

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Hudson Heritage Credit Union Savings Account Rates

0.35%$100k-Super Saver
0.15%$500-IRA Savings
0.05%$500-Share Savings
0.05%$500-Holiday Account
0.05%$500-Vacation Account
0.05%$500-Escrow Account

Hudson Heritage Credit Union Money Market Rates

0.30%$100k-Money Market Account

Hudson Heritage Credit Union Checking Account Rates

0.00%--Checking Account

Hudson Heritage Credit Union CD Rates

1.55%$10k-60 Month CD
1.35%$10k-48 Month CD
1.10%$10k-36 Month CD
0.80%$10k-24 Month CD
0.50%$500-12 Month CD
0.35%$2,500-6 Month CD

Hudson Heritage Credit Union IRA Rates

1.55%$10k-60 Month IRA
1.35%$10k-48 Month IRA
1.10%$10k-36 Month IRA
0.80%$10k-24 Month IRA
0.50%$500-12 Month IRA
0.35%$2,500-6 Month IRA

Hudson Heritage Credit Union Locations
Branch Office95 Maher Ln Old Glory MallHarriman, NY 10926-3037
Branch Office2 Corwin CtNewburgh, NY 12550-5107
Branch Office243 Main St Ste 160New Paltz, NY 12561-1355
Branch Office1 Hawk Dr Bldg SunyadminstrationNew Paltz, NY 12561-2447
Branch Office17 Walnut StMontgomery, NY 12549-2231
Branch Office42 Jason PlMIddletown, NY 10940-1909
Branch Office24 route 17mGoshen, NY 10924-2552
Branch Office1201 Route 300Newburgh, NY 12550
Branch Office25 Rykowski LnMiddletown, NY 10941-4019
Branch Office131 E Main StWashingtonville, NY 10992-1724