BlastPoint's Banking Scorecard
Union Bank
Community
Specialty: Commercial
VT
FDIC cert 14158
Morrisville, VT
1484
banks in Community tier nationally
7 in VT
View Community leaderboard (VT) →
Union Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 19% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.6B
+5.8% YoY
+2.8% QoQ
|
+$225.2M |
$1.4B
+2.0% YoY
|
$750.6M
+5.2% YoY
|
$5.9B
+6.5% YoY
|
73% |
| Total Loans ? |
$1.2B
+1.5% YoY
+0.0% QoQ
|
+$197.1M |
$975.5M
+2.4% YoY
|
$528.9M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
74% |
| Total Deposits ? |
$1.2B
+4.0% YoY
+2.0% QoQ
|
+$53.2M |
$1.2B
+1.7% YoY
|
$619.5M
+6.3% YoY
|
$4.7B
+6.3% YoY
|
68% |
| Return on Assets ? |
0.77%
+17.3% YoY
-1.4% QoQ
|
-0.39% |
1.16%
+17.2% YoY
|
0.74%
-5.3% YoY
|
1.12%
+15.6% YoY
|
23% |
| Net Interest Margin ? |
3.04%
+6.1% YoY
-0.1% QoQ
|
-0.63% |
3.66%
+9.1% YoY
|
3.43%
+8.4% YoY
|
3.75%
+7.1% YoY
|
19% |
| Efficiency Ratio ? |
74.97%
-0.4% YoY
+0.9% QoQ
|
+12.34% |
62.63%
-5.3% YoY
|
77.26%
+0.2% YoY
|
65.09%
-5.1% YoY
|
17% |
| Delinquency Rate ? |
1.18%
+618.5% YoY
+2.6% QoQ
|
+0.55% |
0.63%
+18.3% YoY
|
0.58%
+53.6% YoY
|
0.66%
+20.3% YoY
|
21% |
| Loan-to-Deposit Ratio ? |
96.29%
-2.4% YoY
-2.0% QoQ
|
+13.22% |
83.06%
+0.3% YoY
|
84.44%
+2.0% YoY
|
78.04%
+0.7% YoY
|
20% |
| Non-Interest-Bearing Deposit Share ? |
18.87%
-3.3% YoY
-2.7% QoQ
|
-2.18% |
21.05%
-0.9% YoY
|
20.83%
+5.0% YoY
|
21.79%
-1.3% YoY
|
44% |
| Nonperforming Asset Ratio ? |
0.85%
+589.0% YoY
-0.2% QoQ
|
+0.36% |
0.50%
+20.3% YoY
|
0.50%
+53.6% YoY
|
0.48%
+20.8% YoY
|
23% |
| Tier 1 Capital Ratio ? |
11.87%
+2.2% YoY
-0.9% QoQ
|
+1.63% |
10.24%
-0.6% YoY
|
13.37%
+2.8% YoY
|
9.75%
-1.9% YoY
|
46% |
| Non-Interest Income / Assets ? |
0.70%
-1.6% YoY
+30.9% QoQ
|
-0.04% |
0.74%
-1.3% YoY
|
0.68%
-0.4% YoY
|
0.65%
+0.6% YoY
|
70% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Liquidity Strain
risk
#100 of 513 · Bottom 19% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
96.29%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
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
74
74th pctile
Total Loans
Current: $1.2B · Tier avg: $975.5M
73
73th pctile
Total Assets
Current: $1.6B · Tier avg: $1.4B
70
70th pctile
Non-Interest Income / Assets
Current: 0.70% · Tier avg: 0.74%
68
68th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
46
46th pctile
Tier 1 Capital Ratio
Current: 11.87% · Tier avg: 10.24%
44
44th pctile
Non-Interest-Bearing Deposit Share
Current: 18.87% · Tier avg: 21.05%
23
23th pctile
Nonperforming Asset Ratio
Current: 0.85% · Tier avg: 0.50%
23
23th pctile
Return on Assets
Current: 0.77% · Tier avg: 1.16%
21
21th pctile
Delinquency Rate
Current: 1.18% · Tier avg: 0.63%
20
20th pctile
Loan-to-Deposit Ratio
Current: 96.29% · Tier avg: 83.06%
19
19th pctile
Net Interest Margin
Current: 3.04% · Tier avg: 3.66%
17
17th pctile
Efficiency Ratio
Current: 74.97% · Tier avg: 62.63%
Top Weaknesses
17
17th pctile
Efficiency Ratio
Current: 74.97% · Tier avg: 62.63%
19
19th pctile
Net Interest Margin
Current: 3.04% · Tier avg: 3.66%
20
20th pctile
Loan-to-Deposit Ratio
Current: 96.29% · Tier avg: 83.06%
21
21th pctile
Delinquency Rate
Current: 1.18% · Tier avg: 0.63%
23
23th pctile
Return on Assets
Current: 0.77% · Tier avg: 1.16%
23
23th pctile
Nonperforming Asset Ratio
Current: 0.85% · Tier avg: 0.50%
44
44th pctile
Non-Interest-Bearing Deposit Share
Current: 18.87% · Tier avg: 21.05%
46
46th pctile
Tier 1 Capital Ratio
Current: 11.87% · Tier avg: 10.24%
68
68th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
70
70th pctile
Non-Interest Income / Assets
Current: 0.70% · Tier avg: 0.74%
73
73th pctile
Total Assets
Current: $1.6B · Tier avg: $1.4B
74
74th pctile
Total Loans
Current: $1.2B · Tier avg: $975.5M