Union Federal Savings and Loan Association
Kewanee, IL · Cert 27767 · Peer group: banks under $1B in assets (n=581-629)
State savings bank · OCC · 6 branches
Q2 2026
$145.6MAssets
$111.2MLoans
$121.0MDeposits
$23.7MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 81% of banks under $1B in assets (rank 117 of 629).
- Widest gap: net charge-offs / loans trails 90% of banks under $1B in assets (rank 525 of 581).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.25%
Rank 555 of 629
Net Interest Margin
3.07%
Rank 461 of 629
Efficiency Ratio
90.61%
Rank 554 of 629
Equity / Assets
16.28%
Rank 117 of 629
Non-interest income vs. expense
Unfavorable gap of $4.0M · efficiency ratio beats 12% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.25% | 0.60% | 1.01% | 1.45% | Beats 12% | 555 / 629 | |
| Return on Equity | 1.53% | 5.38% | 9.30% | 13.28% | Beats 11% | 561 / 629 | |
| Net Interest Margin | 3.07% | 3.03% | 3.54% | 4.05% | Beats 27% | 461 / 629 | |
| Efficiency Ratio | 90.61% | 58.35% | 67.79% | 79.08% | Beats 12% | 554 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.51% | 0.09% | 0.46% | 1.20% | Beats 47% | 307 / 581 | |
| Net Charge-Offs / Loans | 0.17% | n/a | 0.01% | 0.06% | Beats 10% | 525 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 16.53% | 11.24% | 13.84% | 18.77% | Beats 68% | 204 / 629 | |
| Total Risk-Based Capital Ratio | 16.53% | 11.58% | 14.43% | 19.66% | Beats 65% | 223 / 629 | |
| Equity / Assets | 16.28% | 9.09% | 10.65% | 13.80% | Beats 81% | 117 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 91.90% | 67.24% | 80.90% | 93.48% | 73rd pctl | 161 / 594 | |
| Loans / Assets | 76.36% | 53.31% | 67.71% | 78.15% | 70th pctl | 189 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |