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The Lender Report built this page from public records. Hudson Valley Credit Union has not reviewed it. Every lender's page starts this way, and it says nothing about Hudson Valley Credit Union itself. Each figure shows its source and date. Work at Hudson Valley Credit Union? You can claim this page for free.
Credit union, Poughkeepsie, NY
Hudson Valley Credit Union
A credit union based in Poughkeepsie, NY. Its commercial book is led by non-owner-occupied CRE and owner-occupied CRE. Public files show recent multifamily, 1-4 unit investor, SBA 7(a), SBA 504 and real-estate-secured commercial loans it made.
- Kind
- Credit union
- Data as of
- June 30, 2026
- Page last changed
- November 11, 2026
- Commercial book
- $668M
- NCUA 5300,
- Holds, not loans made
- Commercial loans made, H1 2026
- 21
- NCUA 5300,
- Real-estate-secured
- SBA loans, 36 months
- 26
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $8.05B
- 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
- 800-468-3011 From the NCUA record, June 30, 2026.
- Website
- www.hvcu.orgFrom the NCUA record, November 9, 2026.
- Names it files under
- HUDSON VALLEY; HVCU; Marist Red Fox Financial; Hudson Valley Federal Credit UnionNCUA 5300,
- Address
- P.O. Box 1071, Poughkeepsie, NY 12602-1071NCUA 5300,
- Regulator record
- NCUA profile
You generally must be a member of a credit union to borrow from it. Field of membership: Multiple common bond - other.
Recently done
Recorded lending
Recorded lending. Two or more public files show loans this lender made.
What changed. Hudson Valley Credit Union recorded 15 SBA 7(a) approvals in the 12 months to September 30, 2026, versus 9 in the prior 12 months. SBA FOIA,
| When | What the record shows | Source |
|---|---|---|
| Oct 2023 to Sep 2026 | SBA 7(a) approvals by processing method: 15 SBA Express.SBA ProcessingMethod field, net of cancellations. | SBA FOIA, |
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| Sep 2026 | New York | SBA 7(a), Beer, Wine, and Liquor Retailers | $500K | 7.25% | 10 yr | SBA FOIA | |
| Sep 2026 | New York | SBA 7(a), Snack and Nonalcoholic Beverage Bars | $300K | 7.75% | 10 yr | SBA FOIA | |
| Sep 2026 | New York | SBA 7(a), Snack and Nonalcoholic Beverage Bars | $50K | 7.75% | 10 yr | SBA FOIA | |
| Aug 2026 | New York | SBA 7(a), Other Nonhazardous Waste Treatment and Disposal | $470K | 7.5% | 10 yr | SBA FOIA | |
| Aug 2026 | New York | SBA 7(a), Electrical Contractors and Other Wiring Installation Contractors | $320K | 7.75% | 10 yr | SBA FOIA | |
| Aug 2026 | New York | SBA 7(a), Other Nonhazardous Waste Treatment and Disposal | $75K | 7.5% | 7 yr | SBA FOIA | |
| Jul 2026 | New York | SBA 7(a), Private Mail Centers | $450K | 7.5% | 25 yr | SBA FOIA | |
| Jul 2026 | New York | SBA 7(a), Offices of Mental Health Practitioners (except Physicians) | $250K | 7.75% | 10 yr | SBA FOIA | |
| Jul 2026 | New York | SBA 7(a), New Single-Family Housing Construction (except For-Sale Builders) | $150K | 8.75% | 10 yr | SBA FOIA | |
| Jul 2026 | New York | SBA 7(a), Offices of Mental Health Practitioners (except Physicians) | $100K | 7.75% | 10 yr | SBA FOIA | |
| Apr 2026 | New York | SBA 7(a), Beer, Wine, and Liquor Retailers | $680K | 7.75% | 10 yr | SBA FOIA | |
| Apr 2026 | New York | SBA 7(a), Electrical Contractors and Other Wiring Installation Contractors | $120K | 7.75% | 10 yr | SBA FOIA | |
| Mar 2026 | New York | SBA 7(a), Hotels (except Casino Hotels) and Motels | $3.5M | 7.5% | 25 yr | SBA FOIA | |
| 2025 | Warren County, NY | Cash-out refinance, 50 to 99 units | $4.2M | 6.95% | 15 yr | 61% | HMDA 2025 |
| Dec 2025 | New York | SBA 504, Hotels (except Casino Hotels) and Motels | $2.3M | 25 yr | SBA FOIA | ||
| 2025 | Dutchess County, NY | Purchase, 5 to 24 units | $2M | 6.25% | 15 yr | 65% | HMDA 2025 |
| 2025 | Orange County, NY | Purchase, 5 to 24 units | $1M | 6.59% | 15 yr | 70% | HMDA 2025 |
| 2025 | Albany County, NY | Cash-out refinance, 5 to 24 units | $1M | 6.37% | 15 yr | 25% | HMDA 2025 |
| 2025 | Westchester County, NY | Purchase, 5 to 24 units | $980K | 6.64% | 15 yr | 35% | HMDA 2025 |
| 2025 | Albany County, NY | Purchase, 5 to 24 units | $560K | 6.7% | 15 yr | 79% | HMDA 2025 |
| 2025 | Columbia County, NY | Refinance, 5 to 24 units | $520K | 6.43% | 15 yr | 62% | HMDA 2025 |
| 2025 | Columbia County, NY | Cash-out refinance, 5 to 24 units | $500K | 6.52% | 15 yr | 35% | HMDA 2025 |
| 2025 | Sullivan County, NY | Cash-out refinance, 5 to 24 units | $500K | 6.69% | 15 yr | 68% | HMDA 2025 |
| 2025 | Columbia County, NY | Cash-out refinance, 5 to 24 units | $360K | 6.64% | 15 yr | 65% | HMDA 2025 |
| 2025 | Oneida County, NY | Purchase, 5 to 24 units | $340K | 6.72% | 15 yr | 74% | HMDA 2025 |
| 24 SBA 7(a) loans since October 2023, net of cancelled | $13.3M | SBA FOIA | |||||
A blank means the source did not report it.
What it holds
NCUA 5300, June 30, 2026
| Book | Holds | Of its loans | Year over year | Loans | Average |
|---|---|---|---|---|---|
| Multifamily | $119M | 2.4% | Not reported | 135 | $879K |
| Construction and land development | $18.7M | 0.4% | Not reported | 3 | $6.24M |
| Owner-occupied CRE | $122M | 2.4% | Not reported | 161 | $756K |
| Non-owner-occupied CRE | $378M | 7.5% | Not reported | 287 | $1.32M |
| Farmland | $302K | 0.0% | Not reported | 1 | $302K |
| Commercial and industrial | $30.9M | 0.6% | Not reported | 245 | $126K |
| Other real-estate-secured commercial | $0 | 0.0% | Not reported | Not reported | Not reported |
| Commercial total | $668M |
Table
| Quarter | Commercial book |
|---|---|
| Q1 2026 | $660M |
| Q2 2026 | $668M |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| Multifamily, 5 or more units | 2025 | 15 | $12.8M | $505K | $4.2M | HMDA, |
| Multifamily, 5 or more units | 2024 | 11 | $9.89M | $815K | HMDA, | |
| 1-4 unit investor or business purpose | 2025 | 39 | $19.8M | $275K | HMDA, | |
| SBA 7(a), net of cancelled | 36 months to Sep 2026 | 24 | $13.3M | $313K | $3.5M | SBA FOIA, |
| SBA 7(a), net of cancelled | 12 months to Sep 2026 | 15 | $7.42M | SBA FOIA, | ||
| SBA 504 first lien, net of cancelled | 36 months to Sep 2026 | 2 | $8.80M | $4.40M | $6.4M | SBA FOIA, |
| Real-estate-secured commercial | First half of 2026 | 21 | $34.0M | NCUA 5300, | ||
| Multifamily | First half of 2026 | 5 | $4.79M | NCUA 5300, | ||
| Owner-occupied CRE | First half of 2026 | 8 | $22.0M | NCUA 5300, | ||
| Non-owner-occupied CRE | First half of 2026 | 8 | $7.21M | NCUA 5300, | ||
| C&I | First half of 2026 | 77 | $24.7M | NCUA 5300, |
How these public files were tied to this lender. HMDA: its legal entity identifier (LEI). SBA 504 first liens: its name and state.
| Book | Average loan |
|---|---|
| Construction and land development | $6.24M |
| Multifamily | $879K |
| Owner-occupied CRE | $756K |
| Non-owner-occupied CRE | $1.32M |
| Farmland | $302K |
| Commercial and industrial | $126K |
Programs on record: Federal Home Loan Bank member, New York district (FHFA).
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 | 42 | 15 | 39 | 24 | 2 |
| Metro | Recorded loans | Dollars |
|---|---|---|
| Kiryas Joel-Poughkeepsie-Newburgh, NY | 8 | $7.00M |
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 | $986M | $531M to $1.77B 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 | $618M | $39.3M to $1.79B across 8 peers | Net member business loans, as reported on Form 5300. | NCUA 5300, |
| Cap used | 62.6% | 3.0% to 101.2% across 8 peers | Business loans outstanding over the estimated cap. | NCUA 5300, |
| Largest single borrower | $127M | $62.9M to $266M 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 | 60.6% | 5.1% to 133.2% 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 | 62.8% | 43.0% to 82.3% 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.
Loan channel and SBA processing
Public record only
- Of 26 multifamily loans with a known channel in 2024 to 2025, 1 (3.9%) came through a third party. HMDA,
- Of 39 1-4 unit investor loans with a known channel in 2025, 1 (2.6%) came through a third party. HMDA,
Third party includes correspondents as well as brokers. No figure here means no evidence, not a refusal.
- SBA Express
- 15 loans
- Approval to first disbursement
- 63.5 days, median of 14
SBA FOIA, SBA 7(a) loans, 36 months. Counted from SBA approval, not application. Lines of credit disburse fast.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| Broadview Credit Union | NY | $9.36B | $758M |
| Teachers Credit Union | NY | $9.92B | $460M |
| ESL Credit Union | NY | $10.8B | $1.04B |
| Visions Credit Union | NY | $5.53B | $567M |
| Jovia Financial Credit Union | NY | $4.56B | $500M |
| Empower Credit Union | NY | $4.34B | $456M |
| United Nations Credit Union | NY | $10.7B | $53.1M |
| Fourleaf Credit Union | NY | $14.4B | $1.83B |
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 takes brokers on any given deal. The public record shows only that some loans came through a third party.
- 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.
- Combines this filer's call report with HMDA or SBA figures reported under another name or LEI of the same institution.
Check this page
Against the regulator's own record
- Name and charter. Hudson Valley Credit Union, NCUA charter 24984. Compare it with the regulator's record. [NCUA profile]
- Balances. $8.05B in total assets and $668M in commercial loans held, from the NCUA 5300 for June 30, 2026. [Source]
- Loans made. 21 real-estate-secured commercial loans made in the first half of 2026, from your NCUA Form 5300, and 91 loans in HMDA and SBA files, through September 30, 2026: 15 HMDA multifamily 2025, 11 HMDA multifamily 2024, 39 HMDA 1-4 unit investor 2025, 24 SBA 7(a) in 36 months, 2 SBA 504 first liens in 36 months. [How each file was tied to Hudson Valley Credit Union]
- Phone and website. Phone 800-468-3011, from the NCUA record. Website hvcu.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 11, 2026.
- Regulator
- National Credit Union Administration
- NCUA charter
- 24984
- RSSD
- 483180
- LEI
- 54930085BPQMVH9JFX69
- The Lender Report ID
- lr_000250
- Main office county
- Dutchess
- Members
- 396,412
- NCUA region
- 1 - Eastern
NCUA credit union details,
- Reported $8.1B in total assets as of June 30, 2026 (NCUA 5300).
- Held $668.5M of commercial and commercial real estate loans as of June 30, 2026 (NCUA 5300).
- Held $378M of non-owner-occupied commercial real estate loans as of June 30, 2026 (NCUA 5300).
- Held $121.8M of owner-occupied commercial real estate loans as of June 30, 2026 (NCUA 5300).
- Held $118.7M of multifamily loans as of June 30, 2026 (NCUA 5300).
- Originated 15 multifamily loans totaling $12.8M in 2025 (HMDA).
7 more sentences
- Originated 11 multifamily loans totaling $9.9M in 2024 (HMDA).
- Originated 39 1-4 unit investor or business-purpose loans totaling $19.8M in 2025 (HMDA).
- Recorded 25 SBA 7(a) approvals totaling $13.5M from October 1, 2023 to September 30, 2026, of which 1 was later cancelled (SBA).
- Provided the first lien on 2 SBA 504 projects with $8.8M in first-lien dollars from October 1, 2023 to September 30, 2026 (SBA).
- Originated 21 real-estate-secured commercial loans totaling $34M in the first half of 2026 (NCUA 5300).
- Held $99.1M of nonmember commercial loans and participations as of June 30, 2026 (NCUA 5300).
- Listed 42 offices in 1 state (NCUA).
Cite this
Source: The Lender Report, Hudson Valley Credit Union, https://lender.report/lender/hudson-valley-credit-union-ny/, data as of June 30, 2026.
Sources
- NCUA 5300, June 30, 2026
- NCUA 5300, June 30, 2025
- HMDA, 2025
- SBA FOIA, September 30, 2026
- NCUA 5300, June 30, 2026
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.
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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