BlastPoint's Banking Scorecard
United Savings Bank
Micro
Specialty: Other
PA
FDIC cert 28836
Designations: ✓ Community bank ✓ Mutual
Philadelphia, PA
2498
banks in Micro tier nationally
44 in PA
View Micro leaderboard (PA) →
United Savings Bank demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$448.3M
+3.1% YoY
-0.6% QoQ
|
+$230.8M |
$217.5M
+2.3% YoY
|
$3.0B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
Top 6% in tier |
| Total Loans ? |
$165.7M
-0.8% YoY
+0.8% QoQ
|
+$26.6M |
$139.2M
+2.8% YoY
|
$2.2B
+7.9% YoY
|
$3.1B
+8.5% YoY
|
65% |
| Total Deposits ? |
$326.0M
+2.3% YoY
-0.4% QoQ
|
+$142.3M |
$183.7M
+1.8% YoY
|
$2.5B
+6.7% YoY
|
$4.7B
+6.3% YoY
|
Top 14% in tier |
| Return on Assets ? |
0.91%
+3.9% YoY
+1.0% QoQ
|
-0.17% |
1.08%
+14.7% YoY
|
0.80%
+34.8% YoY
|
1.12%
+15.6% YoY
|
40% |
| Net Interest Margin ? |
3.05%
+3.9% YoY
+0.5% QoQ
|
-0.80% |
3.85%
+6.6% YoY
|
3.23%
+9.5% YoY
|
3.75%
+7.1% YoY
|
18% |
| Efficiency Ratio ? |
61.29%
-0.5% YoY
-0.1% QoQ
|
-6.44% |
67.73%
-4.8% YoY
|
70.08%
-6.4% YoY
|
65.09%
-5.1% YoY
|
63% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-0.64% |
0.64%
+24.4% YoY
|
0.65%
+5.6% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
50.85%
-3.0% YoY
+1.1% QoQ
|
-23.68% |
74.53%
+0.5% YoY
|
84.39%
-0.1% YoY
|
78.04%
+0.7% YoY
|
Top 14% in tier |
| Non-Interest-Bearing Deposit Share ? |
18.90%
-13.9% YoY
-4.1% QoQ
|
-3.49% |
22.39%
-1.3% YoY
|
17.53%
+0.3% YoY
|
21.79%
-1.3% YoY
|
38% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.45% |
0.45%
+25.1% YoY
|
0.48%
+10.7% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
11.49%
+7.4% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.20%
+2.0% YoY
+35.4% QoQ
|
-0.36% |
0.56%
+0.3% YoY
|
0.53%
+5.0% YoY
|
0.65%
+0.6% YoY
|
24% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (0)
No concerns identified
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
94
94th pctile
Total Assets
Current: $448.3M · Tier avg: $217.5M
86
86th pctile
Loan-to-Deposit Ratio
Current: 50.85% · Tier avg: 74.53%
86
86th pctile
Total Deposits
Current: $326.0M · Tier avg: $183.7M
65
65th pctile
Total Loans
Current: $165.7M · Tier avg: $139.2M
63
63th pctile
Efficiency Ratio
Current: 61.29% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
40
40th pctile
Return on Assets
Current: 0.91% · Tier avg: 1.08%
38
38th pctile
Non-Interest-Bearing Deposit Share
Current: 18.90% · Tier avg: 22.39%
24
24th pctile
Non-Interest Income / Assets
Current: 0.20% · Tier avg: 0.56%
18
18th pctile
Net Interest Margin
Current: 3.05% · Tier avg: 3.85%
Top Weaknesses
18
18th pctile
Net Interest Margin
Current: 3.05% · Tier avg: 3.85%
24
24th pctile
Non-Interest Income / Assets
Current: 0.20% · Tier avg: 0.56%
38
38th pctile
Non-Interest-Bearing Deposit Share
Current: 18.90% · Tier avg: 22.39%
40
40th pctile
Return on Assets
Current: 0.91% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
63
63th pctile
Efficiency Ratio
Current: 61.29% · Tier avg: 67.73%
65
65th pctile
Total Loans
Current: $165.7M · Tier avg: $139.2M
86
86th pctile
Total Deposits
Current: $326.0M · Tier avg: $183.7M
86
86th pctile
Loan-to-Deposit Ratio
Current: 50.85% · Tier avg: 74.53%
94
94th pctile
Total Assets
Current: $448.3M · Tier avg: $217.5M
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%