BlastPoint's Credit Union Scorecard
UKRAINIAN
Charter #8854 · NY
UKRAINIAN has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Loans: Top 2.6% in tier
- + Total Deposits: Top 6.3% in tier
- + Total Members: Top 8.2% in tier
- + Total Assets: Top 8.7% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - ROA 0.66% below tier average
- - Efficiency ratio 9.82% above tier (higher cost structure)
- - Net Worth Ratio: Bottom 3.7% in tier
- - Share Certificate Concentration (%): Bottom 5.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
28,425
-1.0% YoY-0.7% QoQ
|
+13.0K |
15,437
-2.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
Top 8.3% in tier |
| Assets |
$415.3M
+4.9% YoY+0.3% QoQ
|
+$183.5M |
$231.9M
+1.3% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
Top 8.8% in tier |
| Loans |
$336.1M
-3.1% YoY+1.6% QoQ
|
+$188.8M |
$147.3M
-0.1% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
Top 2.7% in tier |
| Deposits |
$375.1M
+7.0% YoY+0.8% QoQ
|
+$174.3M |
$200.8M
+0.8% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
Top 6.4% in tier |
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| ROA |
0.1%
-49.5% QoQ
|
-0.7% |
0.8%
+18.2% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
Bottom 9.3% in tier |
| NIM |
2.9%
+11.4% YoY+1.0% QoQ
|
-0.7% |
3.6%
+6.7% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
16% |
| Efficiency Ratio |
86.8%
-8.1% YoY-0.3% QoQ
|
+9.8% |
77.0%
-3.1% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
83% |
| Delinquency Rate |
0.9%
-15.7% YoY-10.7% QoQ
|
+0.0 |
0.9%
+4.2% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
64% |
| Loan To Share |
89.6%
-9.5% YoY+0.7% QoQ
|
+17.4% |
72.2%
-1.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
85% |
| AMR |
$25,021
+3.0% YoY+1.9% QoQ
|
+$345 |
$24,676
+3.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
63% |
| CD Concentration |
41.9%
+2.5% YoY+1.7% QoQ
|
+17.5% | 24.4% | 16.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (4)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)