| Metric | OneUnited Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.1% | +4.9% | +0.2 pts |
| Deposit growth (YoY) | -1.1% | +4.3% | -5.4 pts |
| Loan growth (YoY) | +0.2% | +5.3% | -5.1 pts |
| ROA | -0.80% | 1.28% | -2.1 pts |
| ROE | -8.9% | 12.5% | -21.3 pts |
ROA ranks in the 1st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $637.9M | $511.7M | $407.8M | $59.2M | $-2.7M | -0.80% | 2.18% | 0.27% |
| Q1 2026 | $609.0M | $481.9M | $403.7M | $60.2M | $-1.8M | -1.04% | 2.19% | 0.13% |
| Q4 2025 | $761.7M | $517.0M | $401.6M | $62.7M | $1.4M | 0.21% | 2.26% | 0.08% |
| Q3 2025 | $622.4M | $530.7M | $407.7M | $62.3M | $1.7M | 0.35% | 2.39% | 0.03% |
| Q2 2025 | $606.8M | $517.4M | $406.9M | $59.6M | $661K | 0.20% | 2.38% | 0.02% |
| Q1 2025 | $606.6M | $518.2M | $409.9M | $59.0M | $446K | 0.26% | 2.41% | 0.01% |
| Q4 2024 | $756.4M | $512.5M | $408.0M | $57.2M | $2.2M | 0.34% | 2.57% | 0.02% |
| Q3 2024 | $572.7M | $507.2M | $419.5M | $59.5M | $1.8M | 0.37% | 2.71% | 0.09% |
Loan mix (Q2 2026): real estate $408.1M · commercial $0 · consumer $1.3M · securities $167.4M
| Ratio | OneUnited Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.80% | 1.28% | 1st | |
Return on equity Annualized net income ÷ equity or net worth | -8.9% | 12.5% | 1st | |
Net interest margin Interest income − interest expense, ÷ assets | 2.18% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 107.5% | 61.1% | 99th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | OneUnited Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | OneUnited Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | OneUnited Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | OneUnited Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | OneUnited Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
5 branches in 3 counties across 3 states (+0 vs 2025) · $511.7M branch deposits. Biggest market: Los Angeles, CA, ranked 78th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Los Angeles, CA | 2 | $471.1M | 0.08% | 78th |
| Miami-Dade, FL | 1 | $21.3M | 0.01% | 78th |
| Suffolk, MA | 2 | $19.3M | 0.01% | 48th |
California: 200th with 0.02% · Florida: 296th with 0.00% · Massachusetts: 206th with 0.00% · Los Angeles-Long Beach-Anaheim metro: 92nd, 0.06% · Miami-Fort Lauderdale-West Palm Beach metro: 112th, 0.01% ·
Branch count: 2022 5 · 2023 6 · 2024 6 · 2025 5 · 2026 5
Spends 4.3× the peer median on technology. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).