BlastPoint's Banking Scorecard
United Bank of Union
Community
Specialty: Commercial
MO
FDIC cert 14334
Union, MO
1484
banks in Community tier nationally
62 in MO
View Community leaderboard (MO) →
United Bank of Union faces 5 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 9% in Community
- - Liquidity Strain: Bottom 18% in Community
- - Flatlined Growth: Bottom 43% in Community
- - Delinquency Rate 1.95% above tier
- - Nonperforming Asset Ratio 1.58% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$561.9M
-1.5% YoY
-2.4% QoQ
|
-$829.6M |
$1.4B
+2.0% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
Bottom 9% in tier |
| Total Loans ? |
$452.3M
-0.1% YoY
-2.1% QoQ
|
-$523.1M |
$975.5M
+2.4% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
23% |
| Total Deposits ? |
$462.6M
-1.6% YoY
-4.3% QoQ
|
-$702.0M |
$1.2B
+1.7% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
Bottom 7% in tier |
| Return on Assets ? |
1.37%
+94.2% YoY
+2.2% QoQ
|
+0.20% |
1.16%
+17.2% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
67% |
| Net Interest Margin ? |
3.99%
+9.6% YoY
+0.7% QoQ
|
+0.32% |
3.66%
+9.1% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
69% |
| Efficiency Ratio ? |
61.79%
-5.7% YoY
-0.8% QoQ
|
-0.84% |
62.63%
-5.3% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
51% |
| Delinquency Rate ? |
2.58%
-3.4% YoY
-6.8% QoQ
|
+1.95% |
0.63%
+18.3% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
Bottom 6% in tier |
| Loan-to-Deposit Ratio ? |
97.78%
+1.6% YoY
+2.3% QoQ
|
+14.72% |
83.06%
+0.3% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
17% |
| Non-Interest-Bearing Deposit Share ? |
12.71%
+4.4% YoY
-3.5% QoQ
|
-8.33% |
21.05%
-0.9% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
17% |
| Nonperforming Asset Ratio ? |
2.08%
-2.0% YoY
-6.6% QoQ
|
+1.58% |
0.50%
+20.3% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 6% in tier |
| Tier 1 Capital Ratio ? |
0.00%
-100.0% YoY
|
-10.24% |
10.24%
-0.6% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.43%
+16.2% YoY
+35.6% QoQ
|
-0.31% |
0.74%
-1.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
39% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (5)
Capital Thin
risk
#39 of 432 · Bottom 9% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
Liquidity Strain
risk
#93 of 513 · Bottom 18% 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:
97.78%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank declining
Flatlined Growth
risk
#105 of 245 · Bottom 43% in Community
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
1.37%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
|
QoQ rank improving
Delinquency Rate
metric
Bottom 6%
in Community
Why this stands out
Current:
2.58%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 6%
in Community
Why this stands out
Current:
2.08%
(Tier avg: 0.50%, National avg: 0.48%)
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
69
69th pctile
Net Interest Margin
Current: 3.99% · Tier avg: 3.66%
67
67th pctile
Return on Assets
Current: 1.37% · Tier avg: 1.16%
51
51th pctile
Efficiency Ratio
Current: 61.79% · Tier avg: 62.63%
39
39th pctile
Non-Interest Income / Assets
Current: 0.43% · Tier avg: 0.74%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
23
23th pctile
Total Loans
Current: $452.3M · Tier avg: $975.5M
17
17th pctile
Loan-to-Deposit Ratio
Current: 97.78% · Tier avg: 83.06%
17
17th pctile
Non-Interest-Bearing Deposit Share
Current: 12.71% · Tier avg: 21.05%
9
9th pctile
Total Assets
Current: $561.9M · Tier avg: $1.4B
7
7th pctile
Total Deposits
Current: $462.6M · Tier avg: $1.2B
6
6th pctile
Delinquency Rate
Current: 2.58% · Tier avg: 0.63%
6
6th pctile
Nonperforming Asset Ratio
Current: 2.08% · Tier avg: 0.50%
Top Weaknesses
6
6th pctile
Nonperforming Asset Ratio
Current: 2.08% · Tier avg: 0.50%
6
6th pctile
Delinquency Rate
Current: 2.58% · Tier avg: 0.63%
7
7th pctile
Total Deposits
Current: $462.6M · Tier avg: $1.2B
9
9th pctile
Total Assets
Current: $561.9M · Tier avg: $1.4B
17
17th pctile
Non-Interest-Bearing Deposit Share
Current: 12.71% · Tier avg: 21.05%
17
17th pctile
Loan-to-Deposit Ratio
Current: 97.78% · Tier avg: 83.06%
23
23th pctile
Total Loans
Current: $452.3M · Tier avg: $975.5M
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
39
39th pctile
Non-Interest Income / Assets
Current: 0.43% · Tier avg: 0.74%
51
51th pctile
Efficiency Ratio
Current: 61.79% · Tier avg: 62.63%
67
67th pctile
Return on Assets
Current: 1.37% · Tier avg: 1.16%
69
69th pctile
Net Interest Margin
Current: 3.99% · Tier avg: 3.66%