| Metric | Union Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.6% | +5.5% | -0.9 pts |
| Deposit growth (YoY) | +6.5% | +5.1% | +1.4 pts |
| Loan growth (YoY) | +7.6% | +5.9% | +1.7 pts |
| ROA | 0.81% | 1.26% | -0.5 pts |
| ROE | 8.4% | 12.2% | -3.8 pts |
ROA ranks in the 19th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.30B | $2.55B | $2.36B | $326.2M | $13.4M | 0.81% | 3.10% | 0.21% |
| Q1 2026 | $3.30B | $2.52B | $2.30B | $318.6M | $6.4M | 0.77% | 3.03% | 0.22% |
| Q4 2025 | $3.30B | $2.48B | $2.29B | $312.6M | $19.5M | 0.61% | 2.95% | 0.23% |
| Q3 2025 | $3.24B | $2.35B | $2.26B | $303.7M | $16.0M | 0.68% | 2.94% | 0.24% |
| Q2 2025 | $3.16B | $2.40B | $2.19B | $292.5M | $10.5M | 0.67% | 2.91% | 0.27% |
| Q1 2025 | $3.12B | $2.36B | $2.13B | $283.2M | $5.2M | 0.67% | 2.86% | 0.28% |
| Q4 2024 | $3.09B | $2.33B | $2.11B | $268.0M | $7.1M | 0.23% | 2.58% | 0.39% |
| Q3 2024 | $3.07B | $2.25B | $2.02B | $279.2M | $8.8M | 0.39% | 2.56% | 0.48% |
Loan mix (Q2 2026): real estate $2.34B · commercial $31.8M · consumer $10.2M · securities $510.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Union Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.81% | 1.26% | 19th | |
Return on equity Annualized net income ÷ equity or net worth | 8.4% | 12.2% | 21th | |
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 | 69.7% | 59.0% | 78th |
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% |
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