# UKRAINIAN SELFRELIANCE
Feasterville, PA · NCUA charter 7875 · asset band $500M-1B · latest filing 2025-09 · stopped filing after 2025-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/ukrainian-selfreliance-7875

Who the members are: federal charter, multiple common bond, organized 1952, low-income designated. 16,805 members of 30,000 potential (56.0% of the field); checking penetration 70% (share draft accounts per 100 members); loans per 100 members 43.

**Verdict on the desk:** this could be *ordinary*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $544.7M |
| Members | 16,805 (0.8% YoY) |
| Full-time staff | 61 |
| Net worth | $51.2M |
| Net worth ratio | 9.4% (p27 of band) |
| ROA (annualized) | 0.18% (p15 of band) |
| Total delinquency | 0.18% (p5 of band) |
| Net charge-offs (annualized) | 0.02% (p1 of band) |
| Loans / shares | 90% (p67 of band) |
| Cash / assets | 6.9% |
| Borrowings / assets | 4.51% |
| Net interest margin | 1.89% (p1 of band) |
| Operating expense / assets | 2.16% (p5 of band) |
| Vehicles % of loans | 7% (p6 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p7 of band) |
| Vehicle delinquency | 0.11% (p3 of band) |
| Vehicle NCO | 0.12% (p5 of band) |
| Repossessed % of vehicle book | 0.00% (p18 of band) |
| Real estate % of loans | 72% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 1% |
| Commercial % of net worth | 166% |
| Core shares % of member funds | 31% |
| Certificates % of member funds | 52% |
| Average share balance | $12,075 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 43% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $59,251 |
| Loans granted, annualized | $103.7M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | net worth falling |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | delinquency rising |  |
| 2017-06 | 1 |  | delinquency rising |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | delinquency rising |  |
| 2018-03 | 1 |  | delinquency rising |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | delinquency rising |  |
| 2019-06 | 1 |  | net worth falling |
| 2019-09 | 1 |  |  |
| 2019-12 | 0 |  | delinquency rising |
| 2020-03 | 1 | net worth falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 0 |  | net worth falling |
| 2020-12 | 1 | delinquency rising |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 0 |  | delinquency rising |
| 2021-09 | 0 |  |  |
| 2021-12 | 2 | net worth falling, delinquency rising |  |
| 2022-03 | 0 |  | net worth falling, delinquency rising |
| 2022-06 | 0 |  |  |
| 2022-09 | 1 | net worth falling |  |
| 2022-12 | 0 |  | net worth falling |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 1 | delinquency rising |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 3 | net worth falling, leaning on borrowings |  |
| 2024-09 | 1 |  | delinquency rising, net worth falling |
| 2024-12 | 2 | delinquency rising |  |
| 2025-03 | 1 |  | delinquency rising |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 | net worth falling | leaning on borrowings |

## In the news (Google News, unfiltered, newest first; check the city)

- 2023-07-14 [Here’s why Philly’s Ukrainian credit union is growing so fast - Inquirer.com](https://news.google.com/rss/articles/CBMipgFBVV95cUxNZjMzRlIwZzRnYzJza3BhS3dldWd3LXZ3S2c2UTlGQnVvcGMzUlpyaFBWWHdXOXZoakJUOGduZWJ1bnJ0cl9MNzNOUXppVlZMNmhEemZ5SEpyXzU0eUszVDZyY190NzVvbXVYNnYzaXpDNUxWZWFfMlhWOTdPREJ2TGdOM2dZR1ZFbV9sMDA2TjBiX3FKX1EyUTN1dUYwbG5WSWI0QTRB?oc=5) · Inquirer.com
- 2022-01-25 [‘Everybody is extremely worried’: Philly’s Ukrainian community fearful of Russian threat - WHYY](https://news.google.com/rss/articles/CBMisAFBVV95cUxNZzJJcFNQWm80aTQ3YXFLMFREUHVwUkN2NHU5OEJzNmw0ZGhOSm5iZEgyNTRsSktLTUpjLXZpZms5ckY2M0hyUFVRcE9MQ0pXNExvWXNRakhSQmRRa2tnZ0o5SFl1SkRKZFlaZlY1UXdRd2VoUE5iQ3ZBRWZJal82ZVdJN1lnYmZpaHFfWkVYbkhVZzFvaTZ6RFJnUlVyb0QzOW9ONlI3WjNhZ3JHYW9lag?oc=5) · WHYY
- 2020-02-03 [A Philly Ukrainian institution has stood strong amid Trump's impeachment - Inquirer.com](https://news.google.com/rss/articles/CBMivwFBVV95cUxORm13UjdOcTBFUU9rSF9DRnlwNWFmcnZjaExuLTZLUXhONGRYVThldXdEYm5pWlFzaDZFNk5lSnV2aHZtcGlTYzUxaHVfbmpLeVQ2U3I3RGpWYTQ4YnptWkY1eHcwSzVhVTJzMzhnVEwxcW83ZW96ZlByRGZNUWJnNTh4cDFYWkoxUnFkeFZwWnZFR1lKdXQzUFJKNkc2YWZmYzFzRUcxTS1nVFdudXdoempUVXEteVRadlIwZ09ydw?oc=5) · Inquirer.com
- 2025-04-14 [UKRFCU CEO Murha Named 2025 Manor College Commencement Orator - Manor College](https://news.google.com/rss/articles/CBMihwFBVV95cUxQbng1LUJwN3F4Tllad0ZFMm0zN2NUMW1SQjhfU1hQOEdYM01KY095b1Z1NEF4cVVYUk1BMUV4VWZaUjBtX0pWZEZFLTFZeDJXNUliaHhjekg5Rm9MUTlqOGwzOEJ3dG90aF9VWUFmZ2V3YkVhZGVaTHRfZS1rWU1VcmplWkd1bHM?oc=5) · Manor College
- 2023-12-22 [70 athletes, organizations inducted to Ukrainian Sports Hall of Fame for 2020-2022 - The Ukrainian Weekly](https://news.google.com/rss/articles/CBMiuAFBVV95cUxPb09STEZGZ1A0WEVpd2Z6RjVWb0hnZUt5VVZxQ3NwTWYxY1dWSWloLXpodkVpOGplOTJockRhVFpONklKQ0tveE40Z1ZCVUVWZkYyX1hWSHhHUEs3UGFVaHRfMUZ5ZFM5THN4eF9iN0ZVbUtlWG9wMjg5RENmZEhfMTlwOUpXUlBCMElWMXNFdGNTNUxvTGZ4d3lRbFdNQ0pvaVVnbmllMW1DZUJFRHZNcmlldE44TGg0?oc=5) · The Ukrainian Weekly
- 2025-02-26 [War-weary Ukrainian Americans dare to hope as Trump pivots to Russia - The Washington Post](https://news.google.com/rss/articles/CBMimwFBVV95cUxPcW9MWnhMUFoxcmdYRUNpWFVHTDZTWjNIdWVURUxPSUtDdXNTOUVSWkFXSTlmVXZrRWVDazAtRUUxSl9QT0h0U18wZEp2VlRSY1I0b1JoV2FuNzJReUx2UzBNNlFCRXdYa0ZRUGtsRWlGVk1jNDNWUERUTnpWOGVLb1ZlR2pvV3ZPQlp4bnFmYkpHek1JZXNpSzBBTQ?oc=5) · The Washington Post
- 2024-07-05 [“Vacation with God. The Wisdom of God”: Summer Camp for Children in Philadelphia - Українська Греко-Католицька Церква](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQQk81bzBtS2YwdzdvR2FsTVBOaHlReXAweVJOYjhnQmg2a0o4Rm1yeHRPYnNPbFNvdFJic2E3bXd4R2V6MDFNUGZwUmlmNmFMaS11clYzY0Q4NTZ4YW1hX05Ob3R3OUJzQUNuRlVKeGF5cXg0ZXU2WF9DZ0lwM3F1R3FjdlFkXzhLU29hTDFLUTBIVDUwdnNZY2MtOWdxUjZsVTRickJYWUtuUQ?oc=5) · Українська Греко-Католицька Церква
- 2008-04-13 [Sydir Michael Tymiak Obituary Apr 13, 2008 - Altogether Funeral](https://news.google.com/rss/articles/CBMiugFBVV95cUxOVVljS19yb2dOTHBaQkZTMURLNHJBOG4tN1p2Mzljb1p6WUdYSVJVeVpPSGoxd1JjRGV0ZXMwYlVGWUVrNmdLZkdldXRobmRmSG9DQ3BhYjJ3QUpiVkZmTTJKakdfbVBYbHg1Rk9zN091NFl0V3dONXZjMDA2cC1QSWgxemJGdXBSR255b2c2NlRfZXBUdU95S3BKTklBLWRJU3FCMFZxYlBTN1YyT1FQS3VJcEQ5MVFZdmc?oc=5) · Altogether Funeral

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=7875 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/3.json (key "7875", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=7875
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide