BlastPoint's Banking Scorecard
Union Savings Bank
Micro
Specialty: Other
IL
FDIC cert 29121
Designations: ✓ Community bank
Freeport, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
Union Savings Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 0.59% above tier
Key Concerns
Areas that may need attention
- - Efficiency Ratio 25.31% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$180.6M
+0.5% YoY
+1.1% QoQ
|
-$36.9M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
46% |
| Total Loans ? |
$114.3M
+4.8% YoY
+1.8% QoQ
|
-$24.9M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
48% |
| Total Deposits ? |
$164.5M
-1.2% YoY
+0.9% QoQ
|
-$19.2M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
49% |
| Return on Assets ? |
0.22%
+668.9% YoY
+12.6% 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 ? |
3.22%
+21.6% YoY
+2.6% QoQ
|
-0.63% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
23% |
| Efficiency Ratio ? |
93.04%
-7.4% YoY
-0.7% QoQ
|
+25.31% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 7% in tier |
| Delinquency Rate ? |
0.34%
-18.4% YoY
-24.3% QoQ
|
-0.30% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
53% |
| Loan-to-Deposit Ratio ? |
69.49%
+6.0% YoY
+0.9% QoQ
|
-5.04% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
62% |
| Non-Interest-Bearing Deposit Share ? |
12.06%
+2.0% YoY
+8.0% QoQ
|
-10.33% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
16% |
| Nonperforming Asset Ratio ? |
0.23%
-8.5% YoY
-22.5% QoQ
|
-0.22% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
54% |
| Tier 1 Capital Ratio ? |
14.88%
+0.5% YoY
-4.0% QoQ
|
+6.03% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
72% |
| Non-Interest Income / Assets ? |
1.15%
+7.4% YoY
+33.3% QoQ
|
+0.59% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
Top 6% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 6%
in Micro
Why this stands out
Current:
1.15%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (1)
Efficiency Ratio
metric
Bottom 7%
in Micro
Why this stands out
Current:
93.04%
(Tier avg: 67.73%, National avg: 65.09%)
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
94
94th pctile
Non-Interest Income / Assets
Current: 1.15% · Tier avg: 0.56%
72
72th pctile
Tier 1 Capital Ratio
Current: 14.88% · Tier avg: 8.85%
62
62th pctile
Loan-to-Deposit Ratio
Current: 69.49% · Tier avg: 74.53%
54
54th pctile
Nonperforming Asset Ratio
Current: 0.23% · Tier avg: 0.45%
53
53th pctile
Delinquency Rate
Current: 0.34% · Tier avg: 0.64%
49
49th pctile
Total Deposits
Current: $164.5M · Tier avg: $183.7M
48
48th pctile
Total Loans
Current: $114.3M · Tier avg: $139.2M
46
46th pctile
Total Assets
Current: $180.6M · Tier avg: $217.5M
23
23th pctile
Net Interest Margin
Current: 3.22% · Tier avg: 3.85%
16
16th pctile
Non-Interest-Bearing Deposit Share
Current: 12.06% · Tier avg: 22.39%
10
10th pctile
Return on Assets
Current: 0.22% · Tier avg: 1.08%
7
7th pctile
Efficiency Ratio
Current: 93.04% · Tier avg: 67.73%
Top Weaknesses
7
7th pctile
Efficiency Ratio
Current: 93.04% · Tier avg: 67.73%
10
10th pctile
Return on Assets
Current: 0.22% · Tier avg: 1.08%
16
16th pctile
Non-Interest-Bearing Deposit Share
Current: 12.06% · Tier avg: 22.39%
23
23th pctile
Net Interest Margin
Current: 3.22% · Tier avg: 3.85%
46
46th pctile
Total Assets
Current: $180.6M · Tier avg: $217.5M
48
48th pctile
Total Loans
Current: $114.3M · Tier avg: $139.2M
49
49th pctile
Total Deposits
Current: $164.5M · Tier avg: $183.7M
53
53th pctile
Delinquency Rate
Current: 0.34% · Tier avg: 0.64%
54
54th pctile
Nonperforming Asset Ratio
Current: 0.23% · Tier avg: 0.45%
62
62th pctile
Loan-to-Deposit Ratio
Current: 69.49% · Tier avg: 74.53%
72
72th pctile
Tier 1 Capital Ratio
Current: 14.88% · Tier avg: 8.85%
94
94th pctile
Non-Interest Income / Assets
Current: 1.15% · Tier avg: 0.56%