TellerScore

Ukrainian Federal Credit Union is a federal credit union headquartered in Rochester, New York, in business for about 73 years. At the end of Q2 2026 it reported $426.9M in total assets and $389.5M in member shares and deposits, with 10 offices across 6 states.

Ukrainian Federal Credit Union has a TellerScore of 54 out of 100 (below average) based on Q2 2026 data — higher than only 10% of its 1,341 credit unions with $100 million – $1 billion. Among 268 credit unions headquartered in New York, it ranks 225th. Problem-loan coverage contributes the most (78/100, 11.1%); capital cushion contributes the least (32/100, 8.16%).

TellerScore · Q2 2026

Scorecard

Capital cushion32/100
Net worth ratio: 8.16%
Loan quality63/100
Loans 60+ days delinquent ÷ total loans: 1.12%
Earnings49/100
Return on assets (annualized): 0.73%
Funding & liquidity74/100
Loans ÷ shares: 86.5% · 13.1% uninsured
Problem-loan coverage78/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 11.06%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 4 points (50 → 54), mostly because the earnings component improved by 19 points.

TellerScore
465359Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202453
Q3 202451
Q4 202446
Q1 202548
Q2 202550
Q3 202550
Q4 202550
Q1 202659
Q2 202654
Net worth ratio
7.00%7.71%8.41%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.38%
Q3 20248.41%
Q4 20248.22%
Q1 20258.04%
Q2 20258.04%
Q3 20258.12%
Q4 20257.97%
Q1 20268.05%
Q2 20268.16%
Delinquent loans (60+ days)
0.56%0.84%1.12%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.66%
Q3 20240.84%
Q4 20241.10%
Q1 20251.08%
Q2 20250.99%
Q3 20251.04%
Q4 20250.93%
Q1 20260.56%
Q2 20261.12%
Return on assets
0.02%0.37%0.73%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.15%
Q3 20240.17%
Q4 20240.02%
Q1 20250.19%
Q2 20250.25%
Q3 20250.21%
Q4 20250.10%
Q1 20260.65%
Q2 20260.73%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202654$426.9M8.16%1.12%0.73%86.5%
Q1 202659$422.8M8.05%0.56%0.65%87.2%
Q4 202550$415.3M7.97%0.93%0.10%89.6%
Q3 202550$414.1M8.12%1.04%0.21%89.0%
Q2 202550$407.7M8.04%0.99%0.25%92.6%
Q1 202548$403.9M8.04%1.08%0.19%94.1%
Q4 202446$396.0M8.22%1.10%0.02%99.0%
Q3 202451$390.0M8.41%0.84%0.17%97.3%
Q2 202453$392.1M8.38%0.66%0.15%98.4%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio8.16%
5th
Problem loans1.12%
25th
Net charge-offs0.16%
76th
Return on assets0.73%
49th
Loans to deposits86.5%
25th
Uninsured deposits13.1%
8th
Loan-loss reserves0.00%
50th
Texas ratio11.1%
10th

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Deposit insurance

Is my money safe at Ukrainian Federal Credit Union?

Yes. Ukrainian Federal Credit Union is a federally insured credit union (NCUA charter #8854). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 13.1% of shares and deposits ($50.9M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 8.16%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

10 locations

Branches

Ukrainian Federal Credit Union lists 10 offices in 10 cities across 6 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Ukrainian Federal Credit Union reported 207 home-loan applications under HMDA (LEI 254900LNRKOG7TRURB32): 172 originated ($39,180,000 total), 8 denied, and 23 withdrawn or closed by the applicant. Its denial rate on decided applications was 4.3%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Ukrainian Federal Credit Union
Type
Federal credit union
NCUA charter #
8854
RSSD ID
331889
Primary regulator
NCUA
Established
1953
Headquarters
824 E Ridge Rd, Rochester, NY 14621
Employees
91

Quick answers

Ukrainian Federal Credit Union: common questions

Is Ukrainian Federal Credit Union NCUA insured?

Yes. Ukrainian Federal Credit Union is a federally insured credit union (NCUA charter #8854). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Ukrainian Federal Credit Union's TellerScore?

54 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Ukrainian Federal Credit Union have?

10 offices as of the latest NCUA data, in 6 states.

Nearby

Highest-scoring banks and credit unions with branches near Rochester

InstitutionScoreAssetsCapitalProblem loansCompare
Finger Lakes Federal Credit UnionCredit union Geneva, NY96 out of 100, Very strong$259.5M15.1%0.10%vs
ESL Federal Credit UnionCredit union Rochester, NY90 out of 100, Very strong$10.8B16.4%0.90%vs
Le Roy Federal Credit UnionCredit union Le Roy, NY86 out of 100, Very strong$21.1M11.4%0.37%vs
Westside Community Federal Credit UnionCredit union Churchville, NY84 out of 100, Strong$25.7M11.0%0.00%vs
Greece Community Federal Credit UnionCredit union Rochester, NY83 out of 100, Strong$13.0M12.3%0.05%vs
Genesee Co-Op Federal Credit UnionCredit union Rochester, NY78 out of 100, Strong$47.5M23.4%1.55%vs