| Metric | UBank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +26.8% | +5.5% | +21.3 pts |
| Deposit growth (YoY) | +32.4% | +5.1% | +27.4 pts |
| Loan growth (YoY) | +34.7% | +5.9% | +28.8 pts |
| ROA | 1.42% | 1.26% | +0.2 pts |
| ROE | 15.7% | 12.2% | +3.5 pts |
ROA ranks in the 64th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.05B | $945.7M | $846.7M | $90.8M | $6.8M | 1.42% | 4.71% | 0.54% |
| Q1 2026 | $942.1M | $842.5M | $725.1M | $87.3M | $3.3M | 1.44% | 4.49% | 0.56% |
| Q4 2025 | $906.2M | $790.2M | $710.1M | $84.0M | $12.4M | 1.51% | 4.57% | 0.54% |
| Q3 2025 | $873.8M | $757.9M | $688.3M | $80.6M | $9.2M | 1.52% | 4.56% | 0.51% |
| Q2 2025 | $825.2M | $714.1M | $628.6M | $77.3M | $6.1M | 1.55% | 4.56% | 0.35% |
| Q1 2025 | $781.0M | $671.0M | $605.9M | $73.9M | $2.9M | 1.54% | 4.41% | 1.45% |
| Q4 2024 | $742.4M | $638.1M | $579.9M | $70.4M | $9.6M | 1.37% | 4.17% | 1.35% |
| Q3 2024 | $757.3M | $655.1M | $570.3M | $68.8M | $7.1M | 1.38% | 4.04% | 1.10% |
Loan mix (Q2 2026): real estate $675.0M · commercial $174.8M · consumer $7.1M · securities $25.8M
| Ratio | UBank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.42% | 1.26% | 64th | |
Return on equity Annualized net income ÷ equity or net worth | 15.7% | 12.2% | 77th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.71% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.8% | 59.0% | 42th |
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 | UBank | 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 | UBank | 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 | UBank | 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 | UBank | 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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