BlastPoint's Banking Scorecard
UniBank for Savings
Community
Specialty: Consumer
MA
FDIC cert 90290
Whitinsville, MA
1484
banks in Community tier nationally
59 in MA
View Community leaderboard (MA) →
UniBank for Savings faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 44% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.7B
+6.3% YoY
-1.3% QoQ
|
+$1.3B |
$1.4B
+2.0% YoY
|
$6.4B
+8.5% YoY
|
$5.9B
+6.5% YoY
|
Top 12% in tier |
| Total Loans ? |
$2.1B
+5.5% YoY
+1.9% QoQ
|
+$1.1B |
$975.5M
+2.4% YoY
|
$2.4B
+16.3% YoY
|
$3.1B
+8.5% YoY
|
Top 10% in tier |
| Total Deposits ? |
$2.1B
+1.0% YoY
-4.7% QoQ
|
+$978.5M |
$1.2B
+1.7% YoY
|
$5.0B
+10.3% YoY
|
$4.7B
+6.3% YoY
|
Top 13% in tier |
| Return on Assets ? |
0.81%
+12.4% YoY
-0.3% QoQ
|
-0.36% |
1.16%
+17.2% YoY
|
0.52%
+26.7% YoY
|
1.12%
+15.6% YoY
|
25% |
| Net Interest Margin ? |
2.95%
+11.4% YoY
+1.9% QoQ
|
-0.71% |
3.66%
+9.1% YoY
|
2.94%
+13.0% YoY
|
3.75%
+7.1% YoY
|
16% |
| Efficiency Ratio ? |
62.93%
-8.2% YoY
-1.1% QoQ
|
+0.30% |
62.63%
-5.3% YoY
|
75.86%
-7.9% YoY
|
65.09%
-5.1% YoY
|
48% |
| Delinquency Rate ? |
0.76%
+220.7% YoY
+34.7% QoQ
|
+0.13% |
0.63%
+18.3% YoY
|
0.54%
+38.4% YoY
|
0.66%
+20.3% YoY
|
34% |
| Loan-to-Deposit Ratio ? |
97.97%
+4.5% YoY
+7.0% QoQ
|
+14.90% |
83.06%
+0.3% YoY
|
93.81%
-0.9% YoY
|
78.04%
+0.7% YoY
|
17% |
| Non-Interest-Bearing Deposit Share ? |
13.78%
-3.4% YoY
+5.4% QoQ
|
-7.26% |
21.05%
-0.9% YoY
|
15.94%
-0.9% YoY
|
21.79%
-1.3% YoY
|
21% |
| Nonperforming Asset Ratio ? |
0.58%
+218.1% YoY
+39.0% QoQ
|
+0.08% |
0.50%
+20.3% YoY
|
0.44%
+49.4% YoY
|
0.48%
+20.8% YoY
|
34% |
| Tier 1 Capital Ratio ? |
13.39%
+2.6% YoY
+0.3% QoQ
|
+3.14% |
10.24%
-0.6% YoY
|
10.08%
-2.1% YoY
|
9.75%
-1.9% YoY
|
62% |
| Non-Interest Income / Assets ? |
0.57%
+3.0% YoY
+29.0% QoQ
|
-0.17% |
0.74%
-1.3% YoY
|
0.45%
+1.2% YoY
|
0.65%
+0.6% YoY
|
57% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Liquidity Strain
risk
#226 of 513 · Bottom 44% 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:
97.97%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank declining
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
90
90th pctile
Total Loans
Current: $2.1B · Tier avg: $975.5M
88
88th pctile
Total Assets
Current: $2.7B · Tier avg: $1.4B
87
87th pctile
Total Deposits
Current: $2.1B · Tier avg: $1.2B
62
62th pctile
Tier 1 Capital Ratio
Current: 13.39% · Tier avg: 10.24%
57
57th pctile
Non-Interest Income / Assets
Current: 0.57% · Tier avg: 0.74%
48
48th pctile
Efficiency Ratio
Current: 62.93% · Tier avg: 62.63%
34
34th pctile
Nonperforming Asset Ratio
Current: 0.58% · Tier avg: 0.50%
34
34th pctile
Delinquency Rate
Current: 0.76% · Tier avg: 0.63%
25
25th pctile
Return on Assets
Current: 0.81% · Tier avg: 1.16%
21
21th pctile
Non-Interest-Bearing Deposit Share
Current: 13.78% · Tier avg: 21.05%
17
17th pctile
Loan-to-Deposit Ratio
Current: 97.97% · Tier avg: 83.06%
16
16th pctile
Net Interest Margin
Current: 2.95% · Tier avg: 3.66%
Top Weaknesses
16
16th pctile
Net Interest Margin
Current: 2.95% · Tier avg: 3.66%
17
17th pctile
Loan-to-Deposit Ratio
Current: 97.97% · Tier avg: 83.06%
21
21th pctile
Non-Interest-Bearing Deposit Share
Current: 13.78% · Tier avg: 21.05%
25
25th pctile
Return on Assets
Current: 0.81% · Tier avg: 1.16%
34
34th pctile
Delinquency Rate
Current: 0.76% · Tier avg: 0.63%
34
34th pctile
Nonperforming Asset Ratio
Current: 0.58% · Tier avg: 0.50%
48
48th pctile
Efficiency Ratio
Current: 62.93% · Tier avg: 62.63%
57
57th pctile
Non-Interest Income / Assets
Current: 0.57% · Tier avg: 0.74%
62
62th pctile
Tier 1 Capital Ratio
Current: 13.39% · Tier avg: 10.24%
87
87th pctile
Total Deposits
Current: $2.1B · Tier avg: $1.2B
88
88th pctile
Total Assets
Current: $2.7B · Tier avg: $1.4B
90
90th pctile
Total Loans
Current: $2.1B · Tier avg: $975.5M