BlastPoint's Banking Scorecard
United Roosevelt Savings Bank
Micro
Specialty: Commercial
NJ
FDIC cert 29170
Designations: ✓ Community bank
Carteret, NJ
2498
banks in Micro tier nationally
14 in NJ
View Micro leaderboard (NJ) →
United Roosevelt Savings Bank faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 28.24% above tier
- - Non-Interest-Bearing Deposit Share 18.52% below tier
- - Non-Interest Income / Assets 0.47% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$367.9M
+16.5% YoY
+4.4% QoQ
|
+$150.4M |
$217.5M
+2.3% YoY
|
$4.2B
+3.8% YoY
|
$5.9B
+6.5% YoY
|
83% |
| Total Loans ? |
$300.4M
+21.1% YoY
+6.3% QoQ
|
+$161.3M |
$139.2M
+2.8% YoY
|
$3.1B
+3.2% YoY
|
$3.1B
+8.5% YoY
|
Top 8% in tier |
| Total Deposits ? |
$292.4M
+17.9% YoY
+6.5% QoQ
|
+$108.7M |
$183.7M
+1.8% YoY
|
$3.3B
+4.8% YoY
|
$4.7B
+6.3% YoY
|
80% |
| Return on Assets ? |
0.24%
-12.7% YoY
+6.5% QoQ
|
-0.84% |
1.08%
+14.7% YoY
|
0.71%
+43.1% YoY
|
1.12%
+15.6% YoY
|
Bottom 11% in tier |
| Net Interest Margin ? |
2.81%
+2.9% YoY
+0.6% QoQ
|
-1.04% |
3.85%
+6.6% YoY
|
3.05%
+6.0% YoY
|
3.75%
+7.1% YoY
|
Bottom 11% in tier |
| Efficiency Ratio ? |
77.85%
-7.3% YoY
-2.8% QoQ
|
+10.12% |
67.73%
-4.8% YoY
|
72.64%
-5.0% YoY
|
65.09%
-5.1% YoY
|
23% |
| Delinquency Rate ? |
0.04%
-88.6% YoY
-21.0% QoQ
|
-0.60% |
0.64%
+24.4% YoY
|
0.45%
-7.9% YoY
|
0.66%
+20.3% YoY
|
76% |
| Loan-to-Deposit Ratio ? |
102.77%
+2.7% YoY
-0.2% QoQ
|
+28.24% |
74.53%
+0.5% YoY
|
88.06%
-0.7% YoY
|
78.04%
+0.7% YoY
|
Bottom 7% in tier |
| Non-Interest-Bearing Deposit Share ? |
3.87%
+26.8% YoY
+5.4% QoQ
|
-18.52% |
22.39%
-1.3% YoY
|
14.99%
+4.4% YoY
|
21.79%
-1.3% YoY
|
Bottom 4% in tier |
| Nonperforming Asset Ratio ? |
0.03%
-88.1% YoY
-19.5% QoQ
|
-0.42% |
0.45%
+25.1% YoY
|
0.33%
-21.6% YoY
|
0.48%
+20.8% YoY
|
76% |
| Tier 1 Capital Ratio ? |
10.64%
-10.4% YoY
-4.1% QoQ
|
+1.78% |
8.85%
-3.4% YoY
|
12.24%
-1.3% YoY
|
9.75%
-1.9% YoY
|
54% |
| Non-Interest Income / Assets ? |
0.09%
+26.9% YoY
+48.2% QoQ
|
-0.47% |
0.56%
+0.3% YoY
|
0.52%
-18.3% YoY
|
0.65%
+0.6% YoY
|
Bottom 7% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Loan-to-Deposit Ratio
metric
Bottom 7%
in Micro
Why this stands out
Current:
102.77%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Bottom 4%
in Micro
Why this stands out
Current:
3.87%
(Tier avg: 22.39%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Bottom 7%
in Micro
Why this stands out
Current:
0.09%
(Tier avg: 0.56%, National avg: 0.65%)
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
92
92th pctile
Total Loans
Current: $300.4M · Tier avg: $139.2M
83
83th pctile
Total Assets
Current: $367.9M · Tier avg: $217.5M
80
80th pctile
Total Deposits
Current: $292.4M · Tier avg: $183.7M
76
76th pctile
Delinquency Rate
Current: 0.04% · Tier avg: 0.64%
76
76th pctile
Nonperforming Asset Ratio
Current: 0.03% · Tier avg: 0.45%
54
54th pctile
Tier 1 Capital Ratio
Current: 10.64% · Tier avg: 8.85%
23
23th pctile
Efficiency Ratio
Current: 77.85% · Tier avg: 67.73%
11
11th pctile
Return on Assets
Current: 0.24% · Tier avg: 1.08%
11
11th pctile
Net Interest Margin
Current: 2.81% · Tier avg: 3.85%
7
7th pctile
Non-Interest Income / Assets
Current: 0.09% · Tier avg: 0.56%
7
7th pctile
Loan-to-Deposit Ratio
Current: 102.77% · Tier avg: 74.53%
4
4th pctile
Non-Interest-Bearing Deposit Share
Current: 3.87% · Tier avg: 22.39%
Top Weaknesses
4
4th pctile
Non-Interest-Bearing Deposit Share
Current: 3.87% · Tier avg: 22.39%
7
7th pctile
Loan-to-Deposit Ratio
Current: 102.77% · Tier avg: 74.53%
7
7th pctile
Non-Interest Income / Assets
Current: 0.09% · Tier avg: 0.56%
11
11th pctile
Net Interest Margin
Current: 2.81% · Tier avg: 3.85%
11
11th pctile
Return on Assets
Current: 0.24% · Tier avg: 1.08%
23
23th pctile
Efficiency Ratio
Current: 77.85% · Tier avg: 67.73%
54
54th pctile
Tier 1 Capital Ratio
Current: 10.64% · Tier avg: 8.85%
76
76th pctile
Nonperforming Asset Ratio
Current: 0.03% · Tier avg: 0.45%
76
76th pctile
Delinquency Rate
Current: 0.04% · Tier avg: 0.64%
80
80th pctile
Total Deposits
Current: $292.4M · Tier avg: $183.7M
83
83th pctile
Total Assets
Current: $367.9M · Tier avg: $217.5M
92
92th pctile
Total Loans
Current: $300.4M · Tier avg: $139.2M