UKRAINIAN NATIONAL

Charter #17107 | NY

100M-500M (1077 CUs) Micro
52 100M-500M in NY

UKRAINIAN NATIONAL has 7 strengths but faces 15 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 28.8% in tier
  • + Wallet Share Momentum: Top 28.9% in tier
  • + Emerging Performer: Top 30.1% in tier
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Net Charge-Off Rate: Top 2.6% in tier
  • + Loan-to-Member Ratio (LMR): Top 5.8% in tier
  • + Average Member Relationship (AMR): Top 6.6% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 1.3% in tier
  • - Efficiency Drag: Bottom 5.0% in tier
  • - Membership Headwinds: Bottom 23.2% in tier
  • - Stagnation Risk: Bottom 24.3% in tier
  • - Institutional Decline: Bottom 31.1% in tier
  • - Liquidity Overhang: Bottom 31.3% in tier
  • - ROA 0.55% below tier average
  • - Efficiency ratio 13.52% above tier (higher cost structure)
  • - Delinquency rate 1.01% above tier average
  • - First Mortgage Concentration (%): Bottom 0.3% in tier
  • - Share Certificate Concentration (%): Bottom 3.4% in tier
  • - Members Per Employee (MPE): Bottom 4.9% in tier
  • - Total Members: Bottom 8.1% in tier
  • - Net Interest Margin (NIM): Bottom 8.3% in tier
  • - Total Delinquency Rate (60+ days): Bottom 8.6% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Members 6,601
-1.5% YoY-1.2% QoQ
 -9.0K 15,628
-3.4% YoY
 25,964
+5.4% YoY
 33,089
+6.1% YoY
 Bottom 8.0% in tier
Assets $155.3M
+2.4% YoY+1.2% QoQ
 $-76.0M $231.3M
-0.0% YoY
 $471.3M
+6.4% YoY
 $547.7M
+7.8% YoY
 32nd in tier
Loans $114.1M
-0.7% YoY-0.2% QoQ
 $-33.7M $147.8M
-1.4% YoY
 $316.5M
+7.1% YoY
 $388.7M
+8.6% YoY
 44th in tier
Deposits $135.5M
+2.2% YoY+1.3% QoQ
 $-64.8M $200.3M
-0.0% YoY
 $400.0M
+7.6% YoY
 $464.6M
+9.3% YoY
 33rd in tier
ROA 0.2%
+246.6% YoY+8.7% QoQ
 -0.6% 0.8%
+15.5% YoY
 0.9%
+294.0% YoY
 0.7%
+273.4% YoY
 Bottom 15.4% in tier
NIM 2.6%
+12.8% YoY+0.3% QoQ
 -0.9% 3.6%
+6.9% YoY
 3.6%
+5.0% YoY
 3.7%
+5.0% YoY
 Bottom 8.2% in tier
Efficiency Ratio 90.8%
-6.3% YoY-0.4% QoQ
 +13.5% 77.3%
-3.0% YoY
 80.1%
-6.2% YoY
 79.1%
-3.3% YoY
 Top 9.7% in tier
Delinquency Rate 1.9%
+147.7% YoY+1.6% QoQ
 +1.0 0.9%
+7.6% YoY
 1.7%
-8.3% YoY
 1.2%
-0.9% YoY
 Top 8.6% in tier
Loan To Share 84.2%
-2.8% YoY-1.5% QoQ
 +11.5% 72.7%
-1.5% YoY
 61.5%
-2.3% YoY
 68.0%
-1.7% YoY
 73rd in tier
AMR $37,815
+2.4% YoY+1.8% QoQ
 +$13K $24,363
+2.9% YoY
 $19,040
-21.7% YoY
 $19,418
+1.3% YoY
 Top 6.7% in tier
CD Concentration 44.1%
+4.7% YoY+0.8% QoQ
 +19.7% 24.4%
+4.2% YoY
 15.9%
+8.4% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 2.6%
-3.7% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Relationship Depth Leader

growth
#795 of 1006 • Top 28.8% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 2.45%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $2.5K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Wallet Share Momentum

growth
#798 of 1006 • Top 28.9% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 2.45%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Emerging Performer

growth
#565 of 627 • Top 30.1% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.24%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): -1.54%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank improving

Concerns (6)

Credit Quality Pressure

risk
#34 of 736 • Bottom 1.3% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 1.12% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | New qualifier

Efficiency Drag

risk
#90 of 521 • Bottom 5.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 90.80%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.17% points
(Tier: 0.11% points, National: 0.05% points)
but better than tier avg
Member Growth (YoY): -1.54%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank worsening

Membership Headwinds

decline
#383 of 550 • Bottom 23.2% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -1.54%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Stagnation Risk

risk
#400 of 550 • Bottom 24.3% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.24%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -1.54%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $37.8K
(Tier: $25.0K, National: $19.4K)
but better than tier avg
CD Concentration: 44.14%
(Tier: 24.41%, National: 19.60%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Institutional Decline

decline
#246 of 256 • Bottom 31.1% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature
Total Assets: $155.32M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
Member Growth (YoY): -1.54%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -0.68%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
256 of 1077 Community CUs have this signature | 293 nationally
↓ Shrinking -43 CUs YoY | New qualifier

Liquidity Overhang

risk
#485 of 552 • Bottom 31.3% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 12.67%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 84.22%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank worsening

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 1077 peers in tier

Top Strengths (4 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 13.34%
#1 of 1077 Top 0.0% in 100M-500M tier
29
Net Charge-Off Rate
risk
Value: 0.01%
Peer Avg: 0.47%
#29 of 1077 Top 2.6% in 100M-500M tier
64
Loan-to-Member Ratio (LMR)
engagement
Value: $17,288
Peer Avg: $10,245
#64 of 1077 Top 5.8% in 100M-500M tier
72
Average Member Relationship (AMR)
engagement
Value: $37,815
Peer Avg: $24,363
#72 of 1077 Top 6.6% in 100M-500M tier

Top Weaknesses (9 metrics)

1075
First Mortgage Concentration (%)
balance_sheet
Value: 83.00%
Peer Avg: 30.43%
#1075 of 1077 Bottom 0.3% in 100M-500M tier
1041
Share Certificate Concentration (%)
balance_sheet
Value: 44.14%
Peer Avg: 23.61%
#1041 of 1077 Bottom 3.4% in 100M-500M tier
1025
Members Per Employee (MPE)
engagement
Value: 206.281
Peer Avg: 332.881
#1025 of 1077 Bottom 4.9% in 100M-500M tier
991
Total Members
engagement
Value: 6,601
Peer Avg: 15,628
#991 of 1077 Bottom 8.1% in 100M-500M tier
989
Net Interest Margin (NIM)
profitability
Value: 2.64%
Peer Avg: 3.58%
#989 of 1077 Bottom 8.3% in 100M-500M tier
985
Total Delinquency Rate (60+ days)
risk
Value: 1.87%
Peer Avg: 0.86%
#985 of 1077 Bottom 8.6% in 100M-500M tier
973
Efficiency Ratio
profitability
Value: 90.80%
Peer Avg: 77.28%
#973 of 1077 Bottom 9.7% in 100M-500M tier
933
Fee Income Per Member
profitability
Value: $96.40
Peer Avg: $174.31
#933 of 1077 Bottom 13.5% in 100M-500M tier
911
Return on Assets (ROA)
profitability
Value: 0.24%
Peer Avg: 0.79%
#911 of 1077 Bottom 15.5% in 100M-500M tier