Mid-Hudson Valley Credit Union

Mid-Hudson Valley Credit Union is headquartered in Kingston and is the 21^st largest credit union in the state of New York. It is also the 272^nd largest credit union in the nation. It was established in 1963 and as of December of 2011, it had grown to 166 employees and 57,931 members. Mid-Hudson Valley Credit Union's money market rates are 70% higher than the national average, and it has a 3-star health rating.

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Mid-Hudson Valley Credit Union Money Market Rates

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Mid-Hudson Valley Credit Union IRA Rates

Data for Q4 2011

Institution Statistics MID-HUDSON VALLEY NCUA # 15766 BankRate Report View Year Chartered 1963 Employees 166 Primary Regulator Assets and Liabilities Assets $731.33 million Loans $462.02 million Deposits $653.57 million Equity Capital $67.51 million Loan Loss Allowance $4.19 million Unbacked Noncurrent Loans $10.20 million Real Estate Owned $558,000 Historic Data - December 2010 Assets $698.86 million Equity Capital $64.68 million Loan Loss Allowance $4.62 million Unbacked Noncurrent Loans $8.24 million Real Estate Owned $1.75 million Profit Margin - Quarterly Net Interest Margin 4.92% Return on Assets 0.43% Return on Equity 4.69% Interest Income $30.96 million Non-Interest Income $6.81 million

Institution Health Overall Score: 3 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Mid-Hudson Valley Credit Union had $10.76 million in non-current loans and owned real-estate with $71.7 million in equity and loan loss allowances on hand to cover it. This gives Mid-Hudson Valley Credit Union a Texas Ratio of 15.01% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Mid-Hudson Valley Credit Union held steady from 14.42% as of December 31, 2010 to 15.01% as of December 31, 2011, resulting in a negative change of 4.11%. This indicates that the balance sheet and financial strength for Mid-Hudson Valley Credit Union has held steady in recent periods. Deposit Growth In the past year, Mid-Hudson Valley Credit Union has increased its total deposits by $27.09 million, resulting in 4.32% 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 Mid-Hudson Valley Credit Union has shown is above average. Capitalization 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. Mid-Hudson Valley Credit Union has $731.33 million in assets with $71.7 million in equity, resulting in a capitalization level of 9.80%, which is average.

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