| Metric | Union Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.3% | +4.4% | -5.7 pts |
| Deposit growth (YoY) | -2.2% | +4.0% | -6.2 pts |
| Loan growth (YoY) | +2.8% | +5.6% | -2.8 pts |
| ROA | 0.31% | 1.24% | -0.9 pts |
| ROE | 4.0% | 11.9% | -7.9 pts |
ROA ranks in the 8th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $182.0M | $166.1M | $115.2M | $14.4M | $281K | 0.31% | 3.70% | 0.17% |
| Q1 2026 | $183.3M | $167.1M | $114.5M | $14.1M | $179K | 0.39% | 3.74% | 0.20% |
| Q4 2025 | $180.6M | $164.5M | $114.3M | $14.2M | $405K | 0.22% | 3.22% | 0.23% |
| Q3 2025 | $178.6M | $163.1M | $112.3M | $13.6M | $270K | 0.20% | 3.14% | 0.30% |
| Q2 2025 | $184.5M | $169.8M | $112.1M | $13.1M | $130K | 0.14% | 3.03% | 0.15% |
| Q1 2025 | $182.7M | $168.7M | $110.3M | $12.3M | $39K | 0.09% | 2.90% | 0.23% |
| Q4 2024 | $179.7M | $166.4M | $109.1M | $11.6M | $-72K | -0.04% | 2.65% | 0.25% |
| Q3 2024 | $179.9M | $160.7M | $112.1M | $12.5M | $-85K | -0.06% | 2.57% | 0.23% |
Loan mix (Q2 2026): real estate $104.6M · commercial $9.2M · consumer $1.2M · securities $45.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Union Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.31% | 1.24% | 8th | |
Return on equity Annualized net income ÷ equity or net worth | 4.0% | 11.9% | 11th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.70% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.8% | 62.9% | 94th |
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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