# UKRAINIAN
ROCHESTER, NY · NCUA charter 8854 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/ukrainian-8854

Who the members are: federal charter, multiple common bond, organized 1953, low-income designated. 28,253 members of 45,000 potential (62.8% of the field); checking penetration 51% (share draft accounts per 100 members); loans per 100 members 53.

**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 | $422.8M |
| Members | 28,253 (-1.6% YoY) |
| Full-time staff | 80 |
| Net worth | $33.4M |
| Net worth ratio | 7.9% (p3 of band) |
| ROA (annualized) | 0.65% (p47 of band) |
| Total delinquency | 0.56% (p46 of band) |
| Net charge-offs (annualized) | 0.17% (p23 of band) |
| Loans / shares | 87% (p82 of band) |
| Cash / assets | 8.2% |
| Borrowings / assets | 0.92% |
| Net interest margin | 3.25% (p30 of band) |
| Operating expense / assets | 3.07% (p25 of band) |
| Vehicles % of loans | 4% (p2 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p9 of band) |
| Vehicle delinquency | 0.44% (p39 of band) |
| Vehicle NCO | 0.00% (p4 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 68% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 209% |
| Core shares % of member funds | 43% |
| Certificates % of member funds | 41% |
| Average share balance | $7,466 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $7.1M |
| Loans outstanding per 100 members | 53% |
| Loans granted per 100 members, annualized | 2% |
| Average loan balance | $22,149 |
| Loans granted, annualized | $49.0M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $7.1M outstanding purchased (21.3% of net worth), $1.9M sold and retained. Sold in 7 and bought in 3 of the last 8 quarters. Shares 6.1% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | loans>95% of shares |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | net worth falling |  |
| 2019-03 | 3 | delinquency rising |  |
| 2019-06 | 2 |  | delinquency rising |
| 2019-09 | 1 |  | net worth falling |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | thin capital, delinquency rising | loans>95% of shares |
| 2020-09 | 3 | net worth falling |  |
| 2020-12 | 2 |  | delinquency rising |
| 2021-03 | 3 | margin squeeze |  |
| 2021-06 | 1 |  | net worth falling, margin squeeze |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 2 | loans>95% of shares |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 4 | net worth falling, delinquency rising |  |
| 2023-06 | 4 | leaning on borrowings | delinquency rising |
| 2023-09 | 5 | delinquency rising |  |
| 2023-12 | 4 |  | leaning on borrowings |
| 2024-03 | 3 |  | net worth falling |
| 2024-06 | 3 |  |  |
| 2024-09 | 3 |  |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 3 | net worth falling | loans>95% of shares |
| 2025-06 | 1 |  | delinquency rising, net worth falling |
| 2025-09 | 1 |  |  |
| 2025-12 | 2 | net worth falling |  |
| 2026-03 | 1 |  | net worth falling |

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

- 2026-08-31 [Ukrainian Credit Union Deploys Creatio CRM to Support Membership Growth - citybiz.co](https://news.google.com/rss/articles/CBMirwFBVV95cUxPVHlRVGx3WXpBS1dnb1ZDbU1Od1hFamNFd2hWSkhuLTdmMEp0b2k2ak5BSTZhR1pJNE93N1BGVXBhdFBjT1ZVVURnMzg2QTVWMFViNjQ2RWdVcnF3dXpHVnZGM0loZHpaa3NnaFBHYlViSFJFTG80QkFHbzRQWjF0akQ5SkF6cDV2Y3FFVnBjcnVsNGJfSWRpWHlfVjJpNVA5SVl0WkZ3WjRRb1dYaUV3?oc=5) · citybiz.co
- 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
- 2023-07-17 [For incoming CEO of Philadelphia's Ukrainian credit union, rapid growth is bittersweet - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNMm04OGNNelZEU0x5MmdzYWFhb2Z5SFBGOEkxWGhoc0ItRFZBMk1sTU5vVThJWTV5WmllNjRkVDZ2WlBoYlJGb2lpdktCZDRmTjRIMUhIbkpYRFVfaWN3S04xVkxydnBGbmR2ZDNrSFNjd2drWnI4LS1ZQ2RJSzU0Zk9kSHV1aFJVVENoTkpUQUZwMEJRSmxKU2toTXpONzZ5bmhzZzFrVHpWZw?oc=5) · The Business Journals
- 2026-07-17 [Nestor Procyk Obituary (2026) - Buffalo, NY - Buffalo News - Legacy obituary](https://news.google.com/rss/articles/CBMikgFBVV95cUxPbWRQUU1nYVFkR1luX0NyTHpVUlJWNnNILTZNOEsxRjRnWFpnQ25WY3pEaG5Dd3BFWHNYMzhxT3F4QmtvZzBmVWl2X2FxNTdHVy1MbnU2U01qZXBIeXA4amdEeHlNeVlfQkV6eG8yZFlPRWJqYlZ5THkyN05CVHhPVVZVMnF4Q3czU20zcWdxRmEwdw?oc=5) · Legacy obituary
- 2025-11-10 [Metropolitan Borys Visits His Hometown, Syracuse, NY | Materials | Ukrainian Greek Catholic Church - Українська Греко-Католицька Церква](https://news.google.com/rss/articles/CBMihwFBVV95cUxPbDlvMXI1WDh1RktjRGNqNG9JM3RldE1hSjV6cEtrOVpqcEE1ZDFpWmhab0dZSE9sdVRwbURKeDdva0UxY3AwZU9lYk5MTWxGb1RjZzBpRy1fMnVXVXBNbmVTTVdsUm04REZzM0piNVZnbmhYcFZlOFRRTUdaWWhrdTZxUWtsNnM?oc=5) · Українська Греко-Католицька Церква
- 2026-02-05 [Bohdan Kowalyk Obituary - Yonkers, NY - Dignity Memorial](https://news.google.com/rss/articles/CBMigwFBVV95cUxOaklQOUx0N3kwYUkxUjd4ZnVwWTcwQjZ4TER5eTlOSDJOeGNicEYya0g2N3hscGV4TkVaOFR1eXU2aktXc3p0Ri1iZzlOalo1dDF5dHFBMkFIMzc4bTdjMkttRjVOTWktMkZpNXdMYnFBbWt4M01CNHVGMTdzNHRYaWRCZw?oc=5) · Dignity Memorial
- 2022-05-27 [Ukrainian Federal Credit Union (UFCU) - rbj.net](https://news.google.com/rss/articles/CBMid0FVX3lxTE9PNTZZUHVPQkxidExJYWl2VzI0QnlUSnRuSXRRRVJZMUxHRHJKWjRVVVF3aTdYbjM3aGRXSm15ZE5VVXRfNU5KVnBreGI2NWVZdnNSVDh2NTBEOFNHSU84TTJxRDhGYnZaWXdEZjdrYzB6eEQwNzZv?oc=5) · rbj.net
- 2024-07-02 [2012-2024 List Of Failed Credit Unions - Bankrate](https://news.google.com/rss/articles/CBMib0FVX3lxTFBqUTBmbUhvaEh6UXpMOERnZTMzUjU2djBQVUVxMHd4UmZFRF84OWFtelZtZXQ3eTF5ZE5fbE5YVTRIUWd2dDVDWjZxZ3F4d3gwRFhMV2FyT21RWXlTLVVoRTE5Z0R1Ql9iMHVmYndZUQ?oc=5) · Bankrate

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=8854 (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/22.json (key "8854", 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=8854
- 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