| Metric | UniBank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.0% | +4.4% | -8.4 pts |
| Deposit growth (YoY) | -10.2% | +4.0% | -14.1 pts |
| Loan growth (YoY) | -14.8% | +5.6% | -20.4 pts |
| ROA | -0.25% | 1.24% | -1.5 pts |
| ROE | -3.5% | 11.9% | -15.4 pts |
ROA ranks in the 2nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $393.0M | $322.6M | $267.8M | $28.2M | $-500K | -0.25% | 2.74% | 0.37% |
| Q1 2026 | $401.8M | $332.0M | $263.7M | $28.1M | $-136K | -0.13% | 3.06% | 0.37% |
| Q4 2025 | $408.9M | $338.0M | $283.4M | $28.5M | $-2.1M | -0.47% | 2.50% | 1.25% |
| Q3 2025 | $394.9M | $344.9M | $298.2M | $28.3M | $-1.5M | -0.45% | 2.50% | 1.35% |
| Q2 2025 | $409.4M | $359.1M | $314.3M | $27.8M | $-1.3M | -0.56% | 2.49% | 1.37% |
| Q1 2025 | $441.8M | $383.6M | $359.4M | $27.3M | $-2.1M | -1.70% | 2.39% | 2.31% |
| Q4 2024 | $522.1M | $439.9M | $386.1M | $29.5M | $-31.0M | -5.40% | 2.82% | 2.11% |
| Q3 2024 | $569.5M | $468.5M | $410.3M | $46.6M | $-14.4M | -3.28% | 3.07% | 1.29% |
Loan mix (Q2 2026): real estate $260.4M · commercial $11.2M · consumer $19K · securities $61.6M
| Ratio | UniBank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.25% | 1.24% | 2th | |
Return on equity Annualized net income ÷ equity or net worth | -3.5% | 11.9% | 2th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.74% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 139.3% | 62.9% | 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 | UniBank | 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 | 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 | 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 | 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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