| Metric | Union Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.0% | +4.9% | +4.1 pts |
| Deposit growth (YoY) | +8.6% | +4.3% | +4.2 pts |
| Loan growth (YoY) | +8.7% | +5.3% | +3.3 pts |
| ROA | 2.43% | 1.28% | +1.2 pts |
| ROE | 22.2% | 12.4% | +9.7 pts |
ROA ranks in the 94th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $710.2M | $625.9M | $479.2M | $79.9M | $8.5M | 2.43% | 4.72% | 0.19% |
| Q1 2026 | $709.9M | $628.8M | $468.3M | $76.5M | $4.1M | 2.35% | 4.67% | 0.18% |
| Q4 2025 | $677.8M | $598.5M | $459.3M | $73.7M | $15.0M | 2.25% | 4.60% | 0.22% |
| Q3 2025 | $672.3M | $592.3M | $451.5M | $75.8M | $11.2M | 2.26% | 4.54% | 0.21% |
| Q2 2025 | $651.5M | $576.5M | $440.9M | $70.8M | $7.3M | 2.21% | 4.47% | 0.28% |
| Q1 2025 | $664.9M | $583.0M | $433.8M | $69.7M | $3.5M | 2.14% | 4.35% | 0.20% |
| Q4 2024 | $650.1M | $570.7M | $432.8M | $67.0M | $11.7M | 1.98% | 4.38% | 0.53% |
| Q3 2024 | $646.0M | $565.0M | $424.8M | $69.0M | $8.4M | 1.94% | 4.37% | 0.19% |
Loan mix (Q2 2026): real estate $403.7M · commercial $26.9M · consumer $41.7M · securities $153.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Union Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.43% | 1.28% | 94th | |
Return on equity Annualized net income ÷ equity or net worth | 22.2% | 12.4% | 92th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.72% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.3% | 61.2% | 21th |
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 | Union 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 | Union 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 | Union 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 | Union 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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