Ukrainian Credit Union

824 Ridge Rd East
Rochester, NY 14621
(585) 544-9518
www.rufcu.org

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Ukrainian Credit Union is headquartered in Rochester and is the 52^nd largest credit union in the state of New York. It is also the 1,113^st largest credit union in the nation. It was established in 1953 and as of December of 2011, it had grown to 49 employees and 15,963 members. Ukrainian Credit Union's money market rates are 14% higher than the national average, and it has a 4-star health rating.

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See Rates for: Checking | Savings | Money Market | CD | IRA

Ukrainian Credit Union Checking Account Rates

Apy	Min	Max	Product
0.10%	$75k	-	Business Premier Share Draft
0.08%	$3k	-	Organization Share Draft
0.08%	$3k	-	Personal Share Draft

Ukrainian Credit Union Savings Account Rates

Apy	Min	Max	Product
0.50%	$50	-	IRA Shares
0.50%	$50	-	Roth IRA Shares
0.50%	$50	-	Coverdell IRA Shares
0.25%	$50	-	Regular Shares

Ukrainian Credit Union Money Market Rates

Apy	Min	Max	Product
0.65%	$75k	-	Premier Money Market Account
0.50%	$25k	-	Money Market Account

Ukrainian Credit Union CD Rates

Apy	Min	Max	Product
2.07%	$75k	-	5 Year Jumbo CD
2.02%	$500	-	5 Year CD
1.77%	$500	-	4 Year CD
1.51%	$2k	-	3 Year Bump Up CD
1.41%	$75k	-	2.5 Year Jumbo CD
1.36%	$500	-	2.5 Year CD
1.16%	$2k	-	2 Year Add on CD
0.86%	$75k	-	18 Month Jumbo CD
0.80%	$500	-	18 Month CD
0.75%	$75k	-	1 Year Jumbo CD
0.70%	$1k	-	1 Year CD
0.70%	$500	-	13 Month CD
0.70%	$500	-	15 Month CD
0.60%	$1k	-	9 Month CD
0.55%	$75k	-	6 Month Jumbo CD
0.50%	$1k	-	6 Month CD
0.50%	$1k	-	7 Month CD
0.50%	$500	-	5 Month CD

Ukrainian Credit Union IRA Rates

Apy	Min	Max	Product
2.33%	$75k	-	5 Year Jumbo IRA
2.07%	$500	-	5 Year IRA
2.07%	$500	-	5 Year Add on Roth IRA
1.82%	$500	-	4 Year IRA
1.61%	$2k	-	3 Year Bump Up IRA
1.61%	$2k	-	3 Year Bump Up Roth IRA
1.61%	$75k	-	3 Year Bump Up Jumbo IRA
1.51%	$75k	-	2.5 Year Jumbo IRA
1.46%	$500	-	2.5 Year IRA
1.26%	$2k	-	2 Year Add on IRA
1.26%	$2k	-	2 Year Add on Roth IRA
0.96%	$75k	-	18 Month Jumbo IRA
0.91%	$500	-	18 Month IRA
0.90%	$500	-	18 Month Roth IRA
0.80%	$500	-	1 Year IRA
0.80%	$500	-	13 Month IRA
0.80%	$500	-	15 Month IRA
0.80%	$500	-	1 Year Roth IRA
0.80%	$500	-	15 Month Roth IRA
0.80%	$500	-	13 Month Roth IRA
0.60%	$500	-	9 Month IRA
0.50%	$500	-	5 Month IRA
0.50%	$500	-	7 Month IRA
0.50%	$500	-	7 Month Roth IRA
0.50%	$500	-	6 Month Roth IRA

Rates updated: 5/27/2012

Data for Q4 2011

Institution Statistics

UKRAINIAN
NCUA #	8854
BankRate Report	View
Year Chartered	1953
Employees	49
Primary Regulator
Assets and Liabilities
Assets	$141.39 million
Loans	$116.33 million
Deposits	$125.45 million
Equity Capital	$14.28 million
Loan Loss Allowance	$2.47 million
Unbacked Noncurrent Loans	$2.91 million
Real Estate Owned	$268,000
Historic Data - December 2010
Assets	$137.95 million
Equity Capital	$13.10 million
Loan Loss Allowance	$3.08 million
Unbacked Noncurrent Loans	$2.20 million
Real Estate Owned	$245,000
Profit Margin - Quarterly
Net Interest Margin	4.52%
Return on Assets	0.83%
Return on Equity	8.25%
Interest Income	$6.70 million
Non-Interest Income	$814,000

Institution Health

Overall Score:

4 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Ukrainian Credit Union had $3.18 million in non-current loans and owned real-estate with $16.75 million in equity and loan loss allowances on hand to cover it. This gives Ukrainian Credit Union a Texas Ratio of 18.96% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Ukrainian Credit Union held steady from 15.11% as of December 31, 2010 to 18.96% as of December 31, 2011, resulting in a negative change of 25.49%. This indicates that the balance sheet and financial strength for Ukrainian Credit Union has held steady in recent periods.
Deposit Growth
In the past year, Ukrainian Credit Union has increased its total deposits by $2.07 million, resulting in 1.68% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Ukrainian Credit Union has shown is above average.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Ukrainian Credit Union has $141.39 million in assets with $16.75 million in equity, resulting in a capitalization level of 11.85%, which is above average.

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