| Metric | UniBank for Savings | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.8% | +5.5% | +0.4 pts |
| Deposit growth (YoY) | +4.4% | +5.1% | -0.7 pts |
| Loan growth (YoY) | +3.1% | +5.9% | -2.9 pts |
| ROA | 1.06% | 1.26% | -0.2 pts |
| ROE | 13.5% | 12.2% | +1.4 pts |
ROA ranks in the 34th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.11B | $2.57B | $2.12B | $236.2M | $15.5M | 1.06% | 3.10% | 0.43% |
| Q1 2026 | $2.92B | $2.37B | $2.08B | $227.8M | $6.8M | 0.96% | 3.09% | 0.49% |
| Q4 2025 | $2.74B | $2.14B | $2.10B | $220.7M | $22.2M | 0.81% | 2.95% | 0.58% |
| Q3 2025 | $2.77B | $2.25B | $2.06B | $212.9M | $16.7M | 0.81% | 2.90% | 0.42% |
| Q2 2025 | $2.94B | $2.47B | $2.06B | $206.5M | $10.4M | 0.76% | 2.87% | 0.35% |
| Q1 2025 | $2.73B | $2.28B | $2.05B | $198.3M | $4.1M | 0.62% | 2.77% | 0.17% |
| Q4 2024 | $2.57B | $2.12B | $1.99B | $189.2M | $18.7M | 0.72% | 2.65% | 0.18% |
| Q3 2024 | $2.59B | $2.20B | $1.95B | $199.2M | $14.2M | 0.73% | 2.64% | 0.16% |
Loan mix (Q2 2026): real estate $1.39B · commercial $53.5M · consumer $714.3M · securities $582.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | UniBank for Savings | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.06% | 1.26% | 34th | |
Return on equity Annualized net income ÷ equity or net worth | 13.5% | 12.2% | 62th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.10% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.1% | 59.0% | 46th |
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 | UniBank for Savings | 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 | UniBank for Savings | 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 | UniBank for Savings | 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 | UniBank for Savings | 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.