| Metric | UNICO Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.2% | +4.9% | -7.1 pts |
| Deposit growth (YoY) | -3.0% | +4.3% | -7.3 pts |
| Loan growth (YoY) | -2.1% | +5.3% | -7.4 pts |
| ROA | 1.34% | 1.28% | +0.1 pts |
| ROE | 15.5% | 12.4% | +3.1 pts |
ROA ranks in the 54th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $502.6M | $456.6M | $402.7M | $43.5M | $3.4M | 1.34% | 4.43% | 2.08% |
| Q1 2026 | $497.3M | $449.8M | $403.4M | $43.0M | $1.4M | 1.13% | 4.37% | 1.96% |
| Q4 2025 | $504.7M | $459.2M | $407.8M | $43.2M | $5.7M | 1.11% | 4.26% | 0.97% |
| Q3 2025 | $505.8M | $457.3M | $411.9M | $41.8M | $4.5M | 1.17% | 4.19% | 0.97% |
| Q2 2025 | $514.0M | $470.7M | $411.3M | $40.8M | $3.1M | 1.21% | 4.08% | 1.15% |
| Q1 2025 | $518.5M | $476.1M | $409.8M | $40.2M | $1.3M | 0.98% | 3.92% | 1.01% |
| Q4 2024 | $507.4M | $466.5M | $414.1M | $39.0M | $4.6M | 0.93% | 3.87% | 0.66% |
| Q3 2024 | $498.3M | $456.9M | $426.6M | $39.0M | $3.1M | 0.85% | 3.77% | 0.64% |
Loan mix (Q2 2026): real estate $346.6M · commercial $32.7M · consumer $17.5M · securities $64.3M
| Ratio | UNICO Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.34% | 1.28% | 54th | |
Return on equity Annualized net income ÷ equity or net worth | 15.5% | 12.4% | 69th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.43% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.2% | 61.2% | 72th |
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 | UNICO Bank | 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 | UNICO Bank | 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 | UNICO Bank | 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 | UNICO Bank | 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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