PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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