Unverified listing What this means
The Lender Report built this page from public records. Hudson River Community Credit Union has not reviewed it. Every lender's page starts this way, and it says nothing about Hudson River Community Credit Union itself. Each figure shows its source and date. Work at Hudson River Community Credit Union? You can claim this page for free.
Credit union, Corinth, NY
Hudson River Community Credit Union
A credit union based in Corinth, NY. Its commercial book is led by owner-occupied CRE and multifamily. Public files show recent 1-4 unit investor loans it made.
- Kind
- Credit union
- Data as of
- June 30, 2026
- Page last changed
- November 12, 2026
- Commercial book
- $341K
- NCUA 5300,
- Holds, not loans made
- Commercial loans made, H1 2026
- 0
- NCUA 5300,
- Real-estate-secured
- SBA loans, 36 months
- Not reported
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $364M
- NCUA 5300,
Does it fit my deal?
The deal is read here and kept nowhere. Leave out names, income and credit scores.
How to reach them
Each line shows where it came from
- Phone
- 518-886-3400 From the NCUA record, June 30, 2026.
- Website
- www.hrccu.orgFrom the NCUA record, November 9, 2026.
- Names it files under
- HUDSON RIVER COMMUNITY; HRCCU; Hudson River Community CUNCUA 5300,
- Address
- One Third Street, Corinth, NY 12822NCUA 5300,
- Regulator record
- NCUA profile
You generally must be a member of a credit union to borrow from it. Field of membership: Community credit unions. Designated low-income by NCUA.
Recently done
Some recorded lending
Some recorded lending. One public file shows loans this lender made.
| When | What the record shows | Source |
|---|---|---|
| October 21, 2026 | Certified by the CDFI Fund as a Community Development Financial Institution.Membership in a public list, not lending volume. | CDFI Fund certified list, |
No public record of recent loans. That can mean no such loans or no duty to report.
What it holds
NCUA 5300, June 30, 2026
| Book | Holds | Of its loans | Year over year | Loans | Average |
|---|---|---|---|---|---|
| Multifamily | $165K | 0.1% | Not reported | 2 | $82.7K |
| Construction and land development | $0 | 0.0% | Not reported | 0 | Not reported |
| Owner-occupied CRE | $175K | 0.1% | Not reported | 2 | $87.7K |
| Non-owner-occupied CRE | $0 | 0.0% | Not reported | 0 | Not reported |
| Farmland | $0 | 0.0% | Not reported | 0 | Not reported |
| Commercial and industrial | $0 | 0.0% | Not reported | 0 | Not reported |
| Other real-estate-secured commercial | $0 | 0.0% | Not reported | Not reported | Not reported |
| Commercial total | $341K |
Table
| Quarter | Commercial book |
|---|---|
| Q1 2026 | $346K |
| Q2 2026 | $341K |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| 1-4 unit investor or business purpose | 2025 | 1 | $260K | $260K | HMDA, |
How these public files were tied to this lender. HMDA: its legal entity identifier (LEI).
| Book | Average loan |
|---|---|
| Multifamily | $82.7K |
| Owner-occupied CRE | $87.7K |
Programs on record: Federal Home Loan Bank member (FHFA).
Program lists that name this lender
Membership, not lending volume
- Listed by CDFI Fund: List of Certified CDFIs as: Certified CDFI (October 21, 2026). Certified by the CDFI Fund as a Community Development Financial Institution. Kind of institution: Credit Union. Certification: Certified by the CDFI Fund since 2026-01-08.
Being on a list says the lender is a member of that program on the date shown. It does not say how much it lends.
Where it lends
Offices beside loans on record
| State | Offices | Multifamily 2025 | 1-4 investor 2025 | SBA 7(a) 36 mo. | SBA 504 36 mo. |
|---|---|---|---|---|---|
| New York HQ | 5 | 0 | 1 | 0 | 0 |
Capacity. Not a rating
Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.
| Measure | This lender | Its peers | How it is worked out | Source |
|---|---|---|---|---|
| Business loan cap | $44.6M | $21.9M to $95.2M across 8 peers | Estimate: the lesser of 1.75 times net worth or 12.25% of assets. Low-income designated credit unions and some others are exempt. Not a statement from the credit union. | NCUA 5300, 12 CFR 723.8, Jun 30, 2026 |
| Business loans outstanding | $341K | $259K to $79.5M across 8 peers | Net member business loans, as reported on Form 5300. | NCUA 5300, |
| Cap used | 0.8% | 1.2% to 119.1% across 8 peers | Business loans outstanding over the estimated cap. This credit union is designated low-income by NCUA and is exempt from the cap. | NCUA 5300, |
| Largest single borrower | $8.35M | $2.77M to $20.9M across 8 peers | Estimate: the greater of 15% of net worth or $100,000. Not a limit the credit union has stated. | NCUA 5300, 12 CFR 723.4, Jun 30, 2026 |
| CRE to net worth | 0.3% | 3.9% to 86.9% across 8 peers | (Construction + multifamily + non-owner-occupied CRE loans) divided by net worth. Our own ratio, not a regulatory test or limit. | NCUA 5300, |
| Loans to assets | 78.2% | 24.1% to 83.5% across 8 peers | Total loans divided by total assets. | NCUA 5300, |
Estimates use the formulas in 12 CFR 723. Low-income designated credit unions and some others are exempt from the cap.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| Sea Comm Credit Union | NY | $777M | $92.9M |
| Dannemora Credit Union | NY | $320M | $22.5M |
| Saint Lawrence Credit Union | NY | $272M | $7.40M |
| Family First of NY Credit Union | NY | $345M | $39.4M |
| Ukrainian Credit Union | NY | $427M | $64.2M |
| TEG Credit Union | NY | $507M | $59.0M |
| Ulster Credit Union | NY | $179M | $2.22M |
| Northern Credit Union | NY | $698M | $73.7M |
What we don't know
- Whether it is taking new loans today, or on what terms.
- Who can join. A credit union lends only to its members, and field of membership decides who qualifies.
- Whether it made any commercial real estate loans in the first half of 2026. It reported none, and the 5300 covers only what it files.
- Whether it makes multifamily loans. No HMDA multifamily loans are on file under this name for 2024 or 2025.
- Whether it makes SBA loans. No SBA loans are on file under this name for the 36 months to September 30, 2026.
- Whether it takes brokers. No figure here means no evidence, not a refusal.
- Credit union concentration ratios here are our own calculation against net worth. They are not a regulatory test or limit. Originations are Jan-Jun 2026 year to date.
Check this page
Against the regulator's own record
- Name and charter. Hudson River Community Credit Union, NCUA charter 24987. Compare it with the regulator's record. [NCUA profile]
- Balances. $364M in total assets and $341K in commercial loans held, from the NCUA 5300 for June 30, 2026. [Source]
- Loans made. Your NCUA Form 5300 for June 30, 2026 reports no commercial loans made, and 1 loan in the HMDA file, in 2025: 1 HMDA 1-4 unit investor 2025. [How each file was tied to Hudson River Community Credit Union]
- Phone and website. Phone 518-886-3400, from the NCUA record. Website hrccu.org, from the NCUA record. [How to reach them]
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For the record
Data as of June 30, 2026. Page last changed November 12, 2026.
- Regulator
- National Credit Union Administration
- NCUA charter
- 24987
- RSSD
- 45382
- LEI
- 549300Z1CDO1XR2ZMQ19
- The Lender Report ID
- lr_003154
- Main office county
- Saratoga
- Members
- 34,117
- NCUA region
- 1 - Eastern
NCUA credit union details,
- Reported $364.2M in total assets as of June 30, 2026 (NCUA 5300).
- Held $341K of commercial and commercial real estate loans as of June 30, 2026 (NCUA 5300).
- Held $175K of owner-occupied commercial real estate loans as of June 30, 2026 (NCUA 5300).
- Held $165K of multifamily loans as of June 30, 2026 (NCUA 5300).
- Originated 1 1-4 unit investor or business-purpose loan totaling $260K in 2025 (HMDA).
- Listed 5 offices in 1 state (NCUA).
1 more sentence
- Certified by the CDFI Fund as a Community Development Financial Institution. (CDFI Fund list, as of October 21, 2026).
Cite this
Source: The Lender Report, Hudson River Community Credit Union, https://lender.report/lender/hudson-river-community-credit-union-ny/, data as of June 30, 2026.
Sources
- NCUA 5300, June 30, 2026
- NCUA 5300, June 30, 2025
- HMDA, 2025
- NCUA 5300, June 30, 2026
- CDFI Fund certified list, October 21, 2026
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Work at Hudson River Community Credit Union? Claim this page, free.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem