| Metric | Union Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.1% | +5.5% | -5.6 pts |
| Deposit growth (YoY) | +4.8% | +5.1% | -0.2 pts |
| Loan growth (YoY) | -0.8% | +5.9% | -6.8 pts |
| ROA | 2.01% | 1.26% | +0.8 pts |
| ROE | 19.8% | 12.2% | +7.7 pts |
ROA ranks in the 89th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $4.02B | $3.53B | $3.53B | $408.8M | $40.5M | 2.01% | 2.94% | 0.63% |
| Q1 2026 | $4.01B | $3.49B | $3.51B | $406.7M | $22.5M | 2.24% | 2.93% | 0.57% |
| Q4 2025 | $4.04B | $3.48B | $3.54B | $409.5M | $66.0M | 1.65% | 2.67% | 0.45% |
| Q3 2025 | $4.08B | $3.41B | $3.59B | $411.4M | $50.5M | 1.69% | 2.59% | 0.46% |
| Q2 2025 | $4.03B | $3.37B | $3.55B | $404.4M | $25.0M | 1.27% | 2.52% | 0.35% |
| Q1 2025 | $3.91B | $3.43B | $3.44B | $400.0M | $10.5M | 1.08% | 2.39% | 0.38% |
| Q4 2024 | $3.90B | $3.41B | $3.41B | $397.0M | $32.4M | 0.83% | 1.99% | 0.29% |
| Q3 2024 | $3.95B | $3.28B | $3.45B | $396.7M | $24.9M | 0.85% | 1.91% | 0.23% |
Loan mix (Q2 2026): real estate $3.52B · commercial $25.1M · consumer $5.3M · securities $8.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Union Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.01% | 1.26% | 89th | |
Return on equity Annualized net income ÷ equity or net worth | 19.8% | 12.2% | 90th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.94% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 48.4% | 59.0% | 19th |
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 Savings 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 Savings 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 Savings 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 Savings Bank | 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.