UKRAINIAN SELFRELIANCE

Charter #7875 | PA

500M-750M (169 CUs) Community (281 CUs)
4 500M-750M in PA

UKRAINIAN SELFRELIANCE has 9 strengths but faces 7 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 19.1% in tier
  • + Relationship Depth Leader: Top 19.7% in tier
  • + Organic Growth Leader: Top 29.7% in tier
  • + Organic Growth Engine: Top 31.6% in tier
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Net Charge-Off Rate: Top 0.6% in tier
  • + Average Member Relationship (AMR): Top 0.6% in tier
  • + Loan-to-Member Ratio (LMR): Top 0.6% in tier
  • + Total Delinquency Rate (60+ days): Top 5.3% in tier

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 0.8% in tier
  • - ROA 0.48% below tier average
  • - Efficiency ratio 14.10% above tier (higher cost structure)
  • - Share Certificate Concentration (%): Bottom 0.6% in tier
  • - Net Interest Margin (NIM): Bottom 1.2% in tier
  • - Total Members: Bottom 1.2% in tier
  • - First Mortgage Concentration (%): Bottom 3.6% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Members 16,805
+0.8% YoY+0.8% QoQ
 -22.9K 39,752
-2.7% YoY
 17,552
+5.9% YoY
 33,089
+6.1% YoY
 Bottom 0.6% in tier
Assets $544.7M
+3.0% YoY+0.5% QoQ
 $-77.7M $622.4M
+0.3% YoY
 $283.8M
+10.6% YoY
 $547.7M
+7.8% YoY
 Bottom 20.1% in tier
Loans $423.9M
+2.4% YoY-0.2% QoQ
 $-12.1M $435.9M
-0.4% YoY
 $193.1M
+8.6% YoY
 $388.7M
+8.6% YoY
 41st in tier
Deposits $472.6M
+8.2% YoY+1.1% QoQ
 $-65.4M $538.0M
+1.3% YoY
 $243.3M
+10.9% YoY
 $464.6M
+9.3% YoY
 Bottom 18.3% in tier
ROA 0.2%
+145.5% YoY-35.2% QoQ
 -0.5% 0.7%
+33.9% YoY
 0.8%
+22.9% YoY
 0.7%
+273.4% YoY
 Bottom 13.6% in tier
NIM 1.9%
+14.4% YoY+4.1% QoQ
 -1.5% 3.4%
+8.6% YoY
 3.5%
+4.5% YoY
 3.7%
+5.0% YoY
 Bottom 0.6% in tier
Efficiency Ratio 92.2%
-4.8% YoY+5.3% QoQ
 +14.1% 78.1%
-3.4% YoY
 76.2%
-1.5% YoY
 79.1%
-3.3% YoY
 Top 5.3% in tier
Delinquency Rate 0.2%
-83.2% YoY-47.4% QoQ
 -0.6 0.8%
-4.9% YoY
 1.3%
-8.2% YoY
 1.2%
-0.9% YoY
 Bottom 5.3% in tier
Loan To Share 89.7%
-5.3% YoY-1.2% QoQ
 +8.7% 81.0%
-1.8% YoY
 55.4%
-2.3% YoY
 68.0%
-1.7% YoY
 69th in tier
AMR $53,347
+4.5% YoY-0.3% QoQ
 +$27K $26,482
+2.6% YoY
 $16,339
+4.2% YoY
 $19,418
+1.3% YoY
 Top 1.2% in tier
CD Concentration 52.3%
-5.4% YoY+0.2% QoQ
 +27.9% 24.4%
+4.2% YoY
 15.5%
+9.2% YoY
 19.6%
+6.2% YoY
 Top 0.8% in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 8.0%
+2.0% YoY
 7.9%
-2.9% YoY
 Bottom 0.0% in tier

Signature Analysis

Strengths (4)

Wallet Share Momentum

growth
#526 of 1006 • Top 19.1% in tier

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

Why This Signature
AMR Growth (YoY): 4.52%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Relationship Depth Leader

growth
#543 of 1006 • Top 19.7% in tier

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

Why This Signature
AMR Growth (YoY): 4.52%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.6K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Organic Growth Leader

growth
#392 of 430 • Top 29.7% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 0.80%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
430 of 281 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | Rank worsening

Organic Growth Engine

growth
#580 of 603 • Top 31.6% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 0.80%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
Return on Assets: 0.18%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 0.00%
(Tier: 13.96%, National: 7.90%)
better than tier avg
603 of 281 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank worsening

Concerns (1)

Efficiency Drag

risk
#15 of 521 • Bottom 0.8% in tier

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

Why This Signature
Efficiency Ratio: 92.19%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.11% points
(Tier: 0.11% points, National: 0.05% points)
but better than tier avg
Member Growth (YoY): 0.80%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 281 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank improving

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 169 peers in tier

Top Strengths (6 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 16.19%
#1 of 169 Top 0.0% in 500M-750M tier
2
Net Charge-Off Rate
risk
Value: 0.02%
Peer Avg: 0.51%
#2 of 169 Top 0.6% in 500M-750M tier
2
Average Member Relationship (AMR)
engagement
Value: $53,347
Peer Avg: $26,482
#2 of 169 Top 0.6% in 500M-750M tier
2
Loan-to-Member Ratio (LMR)
engagement
Value: $25,223
Peer Avg: $11,805
#2 of 169 Top 0.6% in 500M-750M tier
10
Total Delinquency Rate (60+ days)
risk
Value: 0.18%
Peer Avg: 0.80%
#10 of 169 Top 5.3% in 500M-750M tier
40
Deposit Growth Rate
growth
Value: 8.16%
Peer Avg: 5.25%
#40 of 169 Top 23.1% in 500M-750M tier

Top Weaknesses (10 metrics)

169
Share Certificate Concentration (%)
balance_sheet
Value: 52.32%
Peer Avg: 26.87%
#169 of 169 Bottom 0.6% in 500M-750M tier
168
Net Interest Margin (NIM)
profitability
Value: 1.90%
Peer Avg: 3.43%
#168 of 169 Bottom 1.2% in 500M-750M tier
168
Total Members
engagement
Value: 16,805
Peer Avg: 39,752
#168 of 169 Bottom 1.2% in 500M-750M tier
164
First Mortgage Concentration (%)
balance_sheet
Value: 63.25%
Peer Avg: 33.53%
#164 of 169 Bottom 3.6% in 500M-750M tier
161
Efficiency Ratio
profitability
Value: 92.19%
Peer Avg: 78.10%
#161 of 169 Bottom 5.3% in 500M-750M tier
146
Return on Assets (ROA)
profitability
Value: 0.18%
Peer Avg: 0.66%
#146 of 169 Bottom 14.2% in 500M-750M tier
138
Total Deposits
balance_sheet
Value: $472.62M
Peer Avg: $538.02M
#138 of 169 Bottom 18.9% in 500M-750M tier
135
Total Assets
balance_sheet
Value: $544.69M
Peer Avg: $622.38M
#135 of 169 Bottom 20.7% in 500M-750M tier
132
Fee Income Per Member
profitability
Value: $147.43
Peer Avg: $199.27
#132 of 169 Bottom 22.5% in 500M-750M tier
130
Members Per Employee (MPE)
engagement
Value: 262.578
Peer Avg: 338.010
#130 of 169 Bottom 23.7% in 500M-750M tier