BlastPoint's Banking Scorecard
Union County Savings Bank
Community
Specialty: Other
NJ
FDIC cert 12013
Designations: ✓ Mutual
Elizabeth, NJ
1484
banks in Community tier nationally
27 in NJ
View Community leaderboard (NJ) →
Union County Savings Bank has 1 strength but faces 7 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 13.12% above tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 13% in Community
- - Deposit Outflow: Bottom 23% in Community
- - Return on Assets 2.60% below tier
- - Net Interest Margin 4.11% below tier
- - Loan-to-Deposit Ratio 62.49% below tier
- - Non-Interest-Bearing Deposit Share 17.46% below tier
- - Non-Interest Income / Assets 0.72% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.5B
-7.1% YoY
-0.1% QoQ
|
+$111.1M |
$1.4B
+2.0% YoY
|
$4.2B
+3.8% YoY
|
$5.9B
+6.5% YoY
|
69% |
| Total Loans ? |
$278.9M
+2.5% YoY
-3.6% QoQ
|
-$696.5M |
$975.5M
+2.4% YoY
|
$3.1B
+3.2% YoY
|
$3.1B
+8.5% YoY
|
Bottom 4% in tier |
| Total Deposits ? |
$1.4B
-10.5% YoY
-0.2% QoQ
|
+$191.6M |
$1.2B
+1.7% YoY
|
$3.3B
+4.8% YoY
|
$4.7B
+6.3% YoY
|
73% |
| Return on Assets ? |
-1.43%
+22.3% YoY
+2.4% QoQ
|
-2.60% |
1.16%
+17.2% YoY
|
0.71%
+43.1% YoY
|
1.12%
+15.6% YoY
|
Bottom 1% in tier |
| Net Interest Margin ? |
-0.45%
+43.7% YoY
+3.5% QoQ
|
-4.11% |
3.66%
+9.1% YoY
|
3.05%
+6.0% YoY
|
3.75%
+7.1% YoY
|
Bottom 1% in tier |
| Efficiency Ratio ? | 0.00% | -62.63% |
62.63%
-5.3% YoY
|
72.64%
-5.0% YoY
|
65.09%
-5.1% YoY
|
- |
| Delinquency Rate ? |
0.56%
+55.1% YoY
-16.5% QoQ
|
-0.07% |
0.63%
+18.3% YoY
|
0.45%
-7.9% YoY
|
0.66%
+20.3% YoY
|
43% |
| Loan-to-Deposit Ratio ? |
20.57%
+14.6% YoY
-3.3% QoQ
|
-62.49% |
83.06%
+0.3% YoY
|
88.06%
-0.7% YoY
|
78.04%
+0.7% YoY
|
Bottom 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
3.58%
+16.3% YoY
+1.5% QoQ
|
-17.46% |
21.05%
-0.9% YoY
|
14.99%
+4.4% YoY
|
21.79%
-1.3% YoY
|
Bottom 2% in tier |
| Nonperforming Asset Ratio ? |
0.10%
+71.2% YoY
-19.3% QoQ
|
-0.40% |
0.50%
+20.3% YoY
|
0.33%
-21.6% YoY
|
0.48%
+20.8% YoY
|
78% |
| Tier 1 Capital Ratio ? |
23.37%
-3.5% YoY
-0.7% QoQ
|
+13.12% |
10.24%
-0.6% YoY
|
12.24%
-1.3% YoY
|
9.75%
-1.9% YoY
|
Top 3% in tier |
| Non-Interest Income / Assets ? |
0.02%
+178.4% YoY
+45.1% QoQ
|
-0.72% |
0.74%
-1.3% YoY
|
0.52%
-18.3% YoY
|
0.65%
+0.6% YoY
|
Bottom 1% in tier |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 3%
in Community
Why this stands out
Current:
23.37%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (7)
Credit Risk Growth
risk
#87 of 642 · Bottom 13% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
Deposit Outflow
decline
#57 of 248 · Bottom 23% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
|
QoQ rank improving
Return on Assets
metric
Bottom 1%
in Community
Why this stands out
Current:
-1.43%
(Tier avg: 1.16%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 1%
in Community
Why this stands out
Current:
-0.45%
(Tier avg: 3.66%, National avg: 3.75%)
Loan-to-Deposit Ratio
metric
Bottom 1%
in Community
Why this stands out
Current:
20.57%
(Tier avg: 83.06%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Bottom 2%
in Community
Why this stands out
Current:
3.58%
(Tier avg: 21.05%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Bottom 1%
in Community
Why this stands out
Current:
0.02%
(Tier avg: 0.74%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
97
97th pctile
Tier 1 Capital Ratio
Current: 23.37% · Tier avg: 10.24%
78
78th pctile
Nonperforming Asset Ratio
Current: 0.10% · Tier avg: 0.50%
73
73th pctile
Total Deposits
Current: $1.4B · Tier avg: $1.2B
69
69th pctile
Total Assets
Current: $1.5B · Tier avg: $1.4B
43
43th pctile
Delinquency Rate
Current: 0.56% · Tier avg: 0.63%
4
4th pctile
Total Loans
Current: $278.9M · Tier avg: $975.5M
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 3.58% · Tier avg: 21.05%
0
0th pctile
Non-Interest Income / Assets
Current: 0.02% · Tier avg: 0.74%
0
0th pctile
Return on Assets
Current: -1.43% · Tier avg: 1.16%
0
0th pctile
Loan-to-Deposit Ratio
Current: 20.57% · Tier avg: 83.06%
0
0th pctile
Net Interest Margin
Current: -0.45% · Tier avg: 3.66%
Top Weaknesses
0
0th pctile
Net Interest Margin
Current: -0.45% · Tier avg: 3.66%
0
0th pctile
Loan-to-Deposit Ratio
Current: 20.57% · Tier avg: 83.06%
0
0th pctile
Return on Assets
Current: -1.43% · Tier avg: 1.16%
0
0th pctile
Non-Interest Income / Assets
Current: 0.02% · Tier avg: 0.74%
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 3.58% · Tier avg: 21.05%
4
4th pctile
Total Loans
Current: $278.9M · Tier avg: $975.5M
43
43th pctile
Delinquency Rate
Current: 0.56% · Tier avg: 0.63%
69
69th pctile
Total Assets
Current: $1.5B · Tier avg: $1.4B
73
73th pctile
Total Deposits
Current: $1.4B · Tier avg: $1.2B
78
78th pctile
Nonperforming Asset Ratio
Current: 0.10% · Tier avg: 0.50%
97
97th pctile
Tier 1 Capital Ratio
Current: 23.37% · Tier avg: 10.24%