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Ukrainian National

New York, NY · Charter 17107

NCUA · 4 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=158 to 159). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

40

Q2 2024Q2 2026peer median (50)

Asset Quality

34

Q2 2024Q2 2026peer median (50)

Profitability

24

Q2 2024Q2 2026peer median (50)

Liquidity

18

Q2 2024Q2 2026peer median

Efficiency

22

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Ukrainian National

New York, NY · Charter 17107

NCUA · 4 branches

Q2 2026

$155.1MAssets
$112.9MLoans
$135.0MShares
$19.8MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.03%, down 19 bps year over year; NIM at 2.74%.
  • Asset quality: problem loans at 2.16% of loans (+31 bps YoY).
  • Capital: net worth / assets of 12.76%, unchanged from a year ago.
  • Funding: loans stand at 83.62% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.03%-19 bps YoY

Net Interest Margin (YTD, annualized)

2.74%+9 bps YoY

Efficiency Ratio (YTD, annualized)

98.69%+754 bps YoY

Net Worth / Assets

12.76%0 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.22%0.24%0.23%0.03%0.03%-19 bps
Return on Equity1.72%1.86%1.81%0.24%0.23%-149 bps
Net Interest Margin2.65%2.63%2.64%2.78%2.74%+9 bps
Efficiency Ratio91.15%90.80%91.18%99.02%98.69%+754 bps
Growth
Asset Growth (YoY)2.64%2.36%0.61%-0.14%1.12%-152 bps
Loan Growth (YoY)-0.08%-0.68%-1.63%-2.89%-1.33%-125 bps
Share Growth (YoY)2.22%2.22%-0.01%-0.74%0.87%-135 bps
Asset Quality
Delinquent Loans / Loans1.84%1.87%0.85%0.69%2.16%+31 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.76%12.67%12.73%12.75%12.76%0 bps
Net Worth / Assets12.76%12.67%12.73%12.75%12.76%0 bps
Liquidity & Funding
Loans / Shares85.49%84.22%84.73%83.28%83.62%-187 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Ukrainian National

New York, NY · Charter 17107 · Peer group: credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=158-159)

NCUA · 4 branches

Q2 2026

$155.1MAssets
$112.9MLoans
$135.0MShares
$19.8MNet Worth

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 40% of credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 95 of 159).
  • Widest gap: net interest margin trails 79% of credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 126 of 159).
  • Overall: at or above the peer median on 0 of 7 directional measures.

Return on Assets

0.03%

Rank 118 of 159

Net Interest Margin

2.74%

Rank 126 of 159

Efficiency Ratio

98.67%

Rank 124 of 158

Equity / Assets

12.76%

Rank 95 of 159

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.03%0.00%0.40%1.00%Beats 26%118 / 159
Return on Equity0.23%0.04%2.43%6.24%Beats 26%117 / 159
Net Interest Margin2.74%2.79%3.84%4.44%Beats 21%126 / 159
Efficiency Ratio98.67%74.21%85.84%96.50%Beats 22%124 / 158
Asset Quality
Nonperforming Loans / Loans2.15%0.42%1.27%2.96%Beats 34%106 / 158
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio12.76%10.80%14.61%21.35%Beats 40%95 / 159
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets12.76%10.80%14.61%21.35%Beats 40%95 / 159
Liquidity & Funding
Loans / Deposits83.62%27.85%44.27%75.14%82nd pctl29 / 159
Loans / Assets72.76%22.38%35.34%62.74%86th pctl22 / 159
Brokered Deposits / Depositsn/aNot reported for this institution