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P.O. Box 160, Cooper Station
New York, NY 10276

Ukrainian National Credit Union is headquartered in New York and is the 57th largest credit union in the state of New York. It is also the 1,185th largest credit union in the nation. It was established in 1965 and as of March of 2014, it had grown to 25 employees and 6,244 members. Ukrainian National Credit Union's savings rates are 4X the national average, and it has a A health rating.

Field of Membership Restrictions

Must be a member of the Ukrainian Orthodox Community. - See Details

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Ukrainian National Credit Union had $881,000 in non-current loans and owned real-estate with $15.05 million in equity and loan loss allowances on hand to cover it. This gives Ukrainian National Credit Union a Texas Ratio of 5.85% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Ukrainian National Credit Union experienced no significant changes from 5.58% as of March 31, 2013 to 5.85% as of March 31, 2014, resulting in a negative change of 4.85%. This indicates that the balance sheet and financial strength for Ukrainian National Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Ukrainian National Credit Union has increased its total deposits by $4.65 million, resulting in 3.73% 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 National Credit Union has shown is excellent.



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 National Credit Union has $144.07 million in assets with $15.05 million in equity, resulting in a capitalization level of 10.45%, which is above average.

Institution Statistics

NCUA #17107
Year Chartered1965
Primary Regulator
Assets and Liabilities
Assets$144.08 million
Loans$80.81 million
Deposits$129.16 million
Equity Capital$14.63 million
Loan Loss Allowance$422,000
Unbacked Noncurrent Loans$881,000
Real Estate Owned$0
Historic Data - March 2013
Assets$139.56 million
Equity Capital$14.67 million
Loan Loss Allowance$414,000
Unbacked Noncurrent Loans$881,000
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets0.26%
Return on Equity2.57%
Interest Income$1.19 million
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Ukrainian National Credit Union Savings Account Rates

1.86%--Passbook IRA Account
0.40%-$1,500kShare Savings

Ukrainian National Credit Union Money Market Rates

0.40%$2,500-Money Market Account

Ukrainian National Credit Union CD Rates

1.51%$1k-60 Month CD
1.16%$1k-48 Month CD
0.95%$1k-36 Month CD
0.90%$1k-24 Month CD
0.80%$1k-18 Month CD
0.75%$1k-14 Month CD
0.70%$1k-12 Month CD
0.45%$1k-6 Month CD
0.40%$1k-3 Month CD

Ukrainian National Credit Union IRA Rates

2.02%--5 Year IRA

Ukrainian National Credit Union Locations
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