PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Union Building Trades

Parsippany, NJ · Charter 21244

NCUA · 2 branches

Q2 2026

$85.8MAssets
$43.7MLoans
$71.7MShares
$11.0MNet Worth

Executive Summary

  • Earnings: ROA of 0.22%, up 25 bps year over year; NIM at 4.15%.
  • Asset quality: problem loans at 0.84% of loans (-63 bps YoY).
  • Capital: net worth / assets of 12.78%, down 12 bps from a year ago.
  • Funding: loans stand at 60.93% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.22%+25 bps YoY

Net Interest Margin (YTD, annualized)

4.15%+23 bps YoY

Efficiency Ratio (YTD, annualized)

95.59%-514 bps YoY

Net Worth / Assets

12.78%-12 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.01%0.10%-0.14%-0.03%0.01%0.05%-0.23%0.22%+25 bps
Return on Equity-0.11%0.80%-1.05%-0.26%0.05%0.39%-1.79%1.69%+196 bps
Net Interest Margin3.76%3.85%3.87%3.92%3.96%4.04%3.84%4.15%+23 bps
Efficiency Ratio100.32%97.76%102.93%100.72%99.87%98.94%104.99%95.59%-514 bps
Growth
Asset Growth (YoY)-4.82%-4.83%-2.45%-0.64%0.30%0.58%0.41%2.31%+295 bps
Loan Growth (YoY)-2.92%-3.57%-4.85%-1.76%-2.23%-1.29%13.88%23.83%+2,558 bps
Share Growth (YoY)-5.91%-5.98%-3.22%-1.45%-0.74%0.22%-0.76%1.54%+300 bps
Asset Quality
Delinquent Loans / Loans1.81%1.76%1.60%1.47%1.47%1.09%1.05%0.84%-63 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.77%12.98%12.89%12.89%12.85%12.96%12.86%12.78%-12 bps
Net Worth / Assets12.77%12.98%12.89%12.89%12.85%12.96%12.86%12.78%-12 bps
Liquidity & Funding
Loans / Shares50.33%51.09%50.15%49.97%49.58%50.32%57.54%60.93%+1,096 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps