Federal credit union · ROCHESTER, New York · NCUA charter #8854
UKRAINIAN
Health score 73/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 73
- Health / 100
- $415.3M
- Total assets
- 28,425
- Members
- 8.1%
- Net-worth ratio
UKRAINIAN scores 73/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $415.3M; members 28,425; net-worth ratio 8.05%; health rank #3,431 of 4,374; healthier than 21st of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,431 of 4,374 health · 2025Q4UKRAINIAN · health 73/100 · $415.3M · 2025Q4
- ROA 73/100
- ASSETS 8.1%
- MEM 0.93%
- RANK 0.02%
- PHOTO $415.3M
- BOOK 28,425
- CHARTER #3,431/4,374
- NCUSIF Telco Community Credit Union
- CAMELS 8854
Call Report peers
UKRAINIAN in the assets neighbourhood
UKRAINIAN's $415.3M assets sit next to Telco Community Credit Union ($415.3M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
UKRAINIAN vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
73 21st percentile higher than 21% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
UKRAINIAN - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #8854, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Where UKRAINIAN diverges from peer averages
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +17.42 pp (89.62% vs 72.20%).
- Widest shortfall vs peers is Net Worth Ratio: -4.06 pp (8.05% vs 12.11%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
UKRAINIAN in New York
- In New York, health place is #198 of 272 on the same NCUA-ratio sort used nationally.
- By total assets, UKRAINIAN is #39 of 272 in New York.
- Membership ranks #39 of 272 among New York CUs with a reported count (28,425 members).
In-state ordinals use the live credit_unions table for NY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
UKRAINIAN Call Report trajectory
UKRAINIAN: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.8% from $415.3M (2025Q4) to $422.8M (2026Q1).
- Net-worth ratio shifted +0.08 pp (7.97% → 8.05%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
8.05% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 73/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 73.
- Net Worth Ratio 25.1 pts
- Delinquency Rate 20.7 pts
- Return on Assets 5.3 pts
- Member Growth 7.2 pts
- Loan-to-Share Ratio 14.7 pts
Call Report ratios for UKRAINIAN
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.05% | -4.06 pp |
| Delinquency Rate | 0.93% | +0.03 pp |
| Return on Assets | 0.02% | -0.61 pp |
| Member Growth | -0.99% | - |
| Loan-to-Share Ratio | 89.62% | +17.42 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
UKRAINIAN filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $422.8M | - |
| 2025Q4 | $415.3M | 28,425 |
| 2024Q4 | $396.0M | 28,708 |
| 2023Q4 | $390.3M | 27,267 |
Credit Union Details
- Charter Number
- 8854
- Type
- Federal
- Field of Membership
- Community/Select Employee Group
- Peer Group
- $100M–$500M
- State
- New York
- City
- ROCHESTER
- Data Quarter
- 2025Q4
Branch Locations (15)
Per its most recent NCUA branch filing, UKRAINIAN runs 15 offices in 15 different cities across 9 states.
| Office | City |
|---|---|
| Rochester Main Office (Main Office) | Rochester, NY |
| Amherst Branch | Amherst, NY |
| Buffalo Branch | Buffalo, NY |
| Citrus Heights Branch | Citrus Heights, CA |
| Portland branch | Clackamas, OR |
| Parma Osnova Branch | Cleveland, OH |
| Federal Way Branch | Federal Way, WA |
| Hallandale Beach branch | Hallandale Beach, FL |
| Matthews branch | Matthews, NC |
| Rancho Cordova Branch | Rancho Cordova, CA |
| Spartanburg Branch | Spartanburg, SC |
| Syracuse branch | Syracuse, NY |
| Vancouver branch | Vancouver, WA |
| Webster branch | Webster, NY |
| Boston branch | Westwood, MA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
Other federally-insured credit unions in New York, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
UKRAINIAN's nationwide photo peers by assets and by health score, excluding New York charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($415.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (73/100 here).
Using this data
- UKRAINIAN ranks #3,431 of 4,374 nationally on financial health and #198 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- High Point is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with High Point
- Rates and health both vary by institution, not just by state -- see how New York credit unions compare overall before assuming this one is typical. New York state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is UKRAINIAN financially healthy?
UKRAINIAN scores 73/100 (Very Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,431 of 4,374; by total assets it ranks #843 of 4,374 nationally (same basis as /rankings/largest); and #39 of 272 within New York. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 8.05% net worth ratio and a 0.93% delinquency rate.
How does UKRAINIAN compare to other credit unions?
73/100 is UKRAINIAN's score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join UKRAINIAN?
UKRAINIAN operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact UKRAINIAN directly for the exact boundaries and application steps.
Is my money safe at UKRAINIAN?
Federal credit unions like UKRAINIAN are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. UKRAINIAN's net worth ratio of 8.05% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does UKRAINIAN offer compared to banks?
Credit unions like UKRAINIAN are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact UKRAINIAN directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.