BlastPoint's Banking Scorecard
Union Federal Savings and Loan Association
Micro
Specialty: Commercial
IL
FDIC cert 27767
Designations: ✓ Community bank ✓ Mutual
Kewanee, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
Union Federal Savings and Loan Association faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Efficiency Ratio 23.22% above tier
- - Non-Interest-Bearing Deposit Share 20.20% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$144.9M
-3.4% YoY
-0.2% QoQ
|
-$72.6M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
36% |
| Total Loans ? |
$118.3M
-5.4% YoY
-1.4% QoQ
|
-$20.9M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
49% |
| Total Deposits ? |
$120.4M
-4.5% YoY
-0.4% QoQ
|
-$63.3M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
35% |
| Return on Assets ? |
0.22%
+97.1% YoY
+18.0% QoQ
|
-0.86% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 10% in tier |
| Net Interest Margin ? |
3.20%
+5.2% YoY
+2.4% QoQ
|
-0.66% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
22% |
| Efficiency Ratio ? |
90.95%
-4.5% YoY
-2.3% QoQ
|
+23.22% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 9% in tier |
| Delinquency Rate ? |
0.36%
+900.4% YoY
+20.0% QoQ
|
-0.28% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
52% |
| Loan-to-Deposit Ratio ? |
98.24%
-0.9% YoY
-1.0% QoQ
|
+23.71% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
Bottom 11% in tier |
| Non-Interest-Bearing Deposit Share ? |
2.19%
-5.5% YoY
-47.9% QoQ
|
-20.20% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
Bottom 3% in tier |
| Nonperforming Asset Ratio ? |
0.29%
+765.0% YoY
+18.6% QoQ
|
-0.16% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
49% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.19%
+9.9% YoY
+36.4% QoQ
|
-0.37% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
22% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Efficiency Ratio
metric
Bottom 9%
in Micro
Why this stands out
Current:
90.95%
(Tier avg: 67.73%, National avg: 65.09%)
Non-Interest-Bearing Deposit Share
metric
Bottom 3%
in Micro
Why this stands out
Current:
2.19%
(Tier avg: 22.39%, National avg: 21.79%)
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
52
52th pctile
Delinquency Rate
Current: 0.36% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
49
49th pctile
Total Loans
Current: $118.3M · Tier avg: $139.2M
49
49th pctile
Nonperforming Asset Ratio
Current: 0.29% · Tier avg: 0.45%
36
36th pctile
Total Assets
Current: $144.9M · Tier avg: $217.5M
35
35th pctile
Total Deposits
Current: $120.4M · Tier avg: $183.7M
22
22th pctile
Non-Interest Income / Assets
Current: 0.19% · Tier avg: 0.56%
22
22th pctile
Net Interest Margin
Current: 3.20% · Tier avg: 3.85%
11
11th pctile
Loan-to-Deposit Ratio
Current: 98.24% · Tier avg: 74.53%
10
10th pctile
Return on Assets
Current: 0.22% · Tier avg: 1.08%
9
9th pctile
Efficiency Ratio
Current: 90.95% · Tier avg: 67.73%
3
3th pctile
Non-Interest-Bearing Deposit Share
Current: 2.19% · Tier avg: 22.39%
Top Weaknesses
3
3th pctile
Non-Interest-Bearing Deposit Share
Current: 2.19% · Tier avg: 22.39%
9
9th pctile
Efficiency Ratio
Current: 90.95% · Tier avg: 67.73%
10
10th pctile
Return on Assets
Current: 0.22% · Tier avg: 1.08%
11
11th pctile
Loan-to-Deposit Ratio
Current: 98.24% · Tier avg: 74.53%
22
22th pctile
Net Interest Margin
Current: 3.20% · Tier avg: 3.85%
22
22th pctile
Non-Interest Income / Assets
Current: 0.19% · Tier avg: 0.56%
35
35th pctile
Total Deposits
Current: $120.4M · Tier avg: $183.7M
36
36th pctile
Total Assets
Current: $144.9M · Tier avg: $217.5M
49
49th pctile
Nonperforming Asset Ratio
Current: 0.29% · Tier avg: 0.45%
49
49th pctile
Total Loans
Current: $118.3M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
52
52th pctile
Delinquency Rate
Current: 0.36% · Tier avg: 0.64%