BlastPoint's Credit Union Scorecard

UKRAINIAN NATIONAL

Charter #17107 · NY

1077 CUs in 100M-500M nationally 52 in NY

UKRAINIAN NATIONAL has 5 strengths but faces 14 concerns

National Analysis

How does the industry compare?

NY Analysis

How does NY stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 82.0% 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
- 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	32%
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	44%
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	33%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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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	15%
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	73%
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	50%
Indirect Auto %	0.0%	-14.0%	14.0% -5.7% YoY	2.6% -3.7% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (1)

Relationship Depth Leader

growth

#211 of 257 • Top 82.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

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

257 of 1077 Community CUs have this signature | 341 nationally

↑ Growing +59 CUs YoY | New qualifier

Concerns (5)

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 declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.54%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -0.68%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 1.87%

(Tier: 0.85%, National: 1.23%)

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: $331.87M, 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: 3.65%, National: 36.38%)

worse than tier avg

256 of 1077 Community CUs have this signature | 293 nationally

↓ Shrinking -43 CUs YoY | New qualifier

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)

Compare against:

Comparing against 1077 peers in tier

Top Strengths (4 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 1077 Top 0.0% in 100M-500M tier

Net Charge-Off Rate

risk

Value: 0.01%

Peer Avg: -

#29 of 1077 Top 2.6% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $17,288

Peer Avg: -

#64 of 1077 Top 5.8% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $37,815

Peer Avg: -

#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: -

#1075 of 1077 Bottom 0.3% in 100M-500M tier

1041

Share Certificate Concentration (%)

balance_sheet

Value: 44.14%

Peer Avg: -

#1041 of 1077 Bottom 3.4% in 100M-500M tier

1025

Members Per Employee (MPE)

engagement

Value: 206.281

Peer Avg: -

#1025 of 1077 Bottom 4.9% in 100M-500M tier

991

Total Members

engagement

Value: 6,601

Peer Avg: -

#991 of 1077 Bottom 8.1% in 100M-500M tier

989

Net Interest Margin (NIM)

profitability

Value: 2.64%

Peer Avg: -

#989 of 1077 Bottom 8.3% in 100M-500M tier

985

Total Delinquency Rate (60+ days)

risk

Value: 1.87%

Peer Avg: -

#985 of 1077 Bottom 8.6% in 100M-500M tier

973

Efficiency Ratio

profitability

Value: 90.80%

Peer Avg: -

#973 of 1077 Bottom 9.7% in 100M-500M tier

933

Fee Income Per Member

profitability

Value: $96.40

Peer Avg: -

#933 of 1077 Bottom 13.5% in 100M-500M tier

911

Return on Assets (ROA)

profitability

Value: 0.24%

Peer Avg: -

#911 of 1077 Bottom 15.5% in 100M-500M tier