| Metric | UBank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.1% | +4.4% | +3.8 pts |
| Deposit growth (YoY) | +9.2% | +4.0% | +5.2 pts |
| Loan growth (YoY) | +1.8% | +5.6% | -3.7 pts |
| ROA | 1.20% | 1.24% | -0.0 pts |
| ROE | 9.3% | 11.9% | -2.6 pts |
ROA ranks in the 48th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $182.8M | $158.4M | $131.2M | $23.4M | $1.1M | 1.20% | 4.29% | 0.50% |
| Q1 2026 | $180.1M | $155.9M | $136.3M | $23.4M | $534K | 1.18% | 4.20% | 0.50% |
| Q4 2025 | $180.5M | $155.9M | $134.3M | $23.4M | $2.0M | 1.17% | 4.39% | 0.51% |
| Q3 2025 | $177.1M | $152.5M | $127.1M | $23.1M | $1.4M | 1.12% | 4.41% | 0.53% |
| Q2 2025 | $169.0M | $145.1M | $128.8M | $22.6M | $828K | 0.99% | 4.32% | 0.56% |
| Q1 2025 | $162.6M | $139.2M | $123.8M | $22.1M | $384K | 0.93% | 4.22% | 0.58% |
| Q4 2024 | $168.5M | $142.8M | $122.1M | $21.7M | $1.1M | 0.72% | 4.10% | 0.00% |
| Q3 2024 | $165.9M | $142.8M | $116.5M | $21.5M | $834K | 0.73% | 4.00% | 0.05% |
Loan mix (Q2 2026): real estate $116.0M · commercial $12.6M · consumer $3.5M · securities $11.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | UBank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.20% | 1.24% | 48th | |
Return on equity Annualized net income ÷ equity or net worth | 9.3% | 11.9% | 34th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.29% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.1% | 62.9% | 53th |
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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