| Metric | The Union Bank Company | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +20.8% | +5.5% | +15.3 pts |
| Deposit growth (YoY) | +10.7% | +5.1% | +5.6 pts |
| Loan growth (YoY) | +9.4% | +5.9% | +3.5 pts |
| ROA | 0.92% | 1.26% | -0.3 pts |
| ROE | 8.9% | 12.2% | -3.2 pts |
ROA ranks in the 24th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.44B | $1.19B | $854.5M | $151.4M | $5.9M | 0.92% | 4.05% | 0.07% |
| Q1 2026 | $1.21B | $1.09B | $844.3M | $118.5M | $3.9M | 1.29% | 4.08% | 0.10% |
| Q4 2025 | $1.19B | $1.06B | $816.5M | $124.9M | $12.5M | 1.05% | 3.84% | 0.30% |
| Q3 2025 | $1.20B | $1.07B | $796.4M | $119.8M | $9.2M | 1.02% | 3.73% | 0.38% |
| Q2 2025 | $1.20B | $1.08B | $780.9M | $112.4M | $6.1M | 1.03% | 3.71% | 0.39% |
| Q1 2025 | $1.19B | $1.08B | $776.7M | $109.5M | $2.9M | 0.97% | 3.64% | 0.36% |
| Q4 2024 | $1.19B | $1.07B | $759.0M | $106.0M | $9.7M | 0.85% | 3.27% | 0.36% |
| Q3 2024 | $1.23B | $1.11B | $713.9M | $111.9M | $6.5M | 0.77% | 3.14% | 0.18% |
Loan mix (Q2 2026): real estate $746.2M · commercial $59.9M · consumer $42.7M · securities $427.5M
| Ratio | The Union Bank Company | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.92% | 1.26% | 24th | |
Return on equity Annualized net income ÷ equity or net worth | 8.9% | 12.2% | 25th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.05% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.7% | 59.0% | 55th |
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 | The Union Bank Company | 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 | The Union Bank Company | 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 | The Union Bank Company | 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 | The Union Bank Company | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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