Union Savings and Loan Association
Connersville, IN · Cert 29933 · Peer group: banks under $1B in assets operating in a single state (n=748-752)
State savings bank · OCC · 4 branches
Q2 2026
$261.8MAssets
$211.9MLoans
$233.7MDeposits
$26.8MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 68% of banks under $1B in assets operating in a single state (rank 237 of 752).
- Widest gap: total risk-based capital ratio trails 89% of banks under $1B in assets operating in a single state (rank 667 of 752).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
1.10%
Rank 363 of 752
Net Interest Margin
4.05%
Rank 237 of 752
Efficiency Ratio
65.97%
Rank 410 of 752
Equity / Assets
10.24%
Rank 411 of 752
Non-interest income vs. expense
Unfavorable gap of $6.4M · efficiency ratio beats 46% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.10% | 0.72% | 1.07% | 1.45% | Beats 52% | 363 / 752 | |
| Return on Equity | 10.72% | 6.78% | 10.58% | 13.65% | Beats 52% | 361 / 752 | |
| Net Interest Margin | 4.05% | 3.18% | 3.69% | 4.17% | Beats 68% | 237 / 752 | |
| Efficiency Ratio | 65.97% | 55.75% | 64.49% | 75.47% | Beats 46% | 410 / 752 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.89% | 0.09% | 0.42% | 1.03% | Beats 30% | 524 / 748 | |
| Net Charge-Offs / Loans | 0.11% | 0.00% | 0.01% | 0.05% | Beats 14% | 641 / 748 | |
| Capital |
| Tier 1 Capital Ratio | 10.45% | 11.55% | 13.75% | 17.60% | Beats 13% | 656 / 752 | |
| Total Risk-Based Capital Ratio | 10.45% | 11.70% | 14.33% | 18.47% | Beats 11% | 667 / 752 | |
| Equity / Assets | 10.24% | 8.93% | 10.56% | 13.13% | Beats 45% | 411 / 752 | |
| Liquidity & Funding |
| Loans / Deposits | 90.70% | 62.23% | 78.64% | 91.26% | 74th pctl | 197 / 752 | |
| Loans / Assets | 80.96% | 54.61% | 67.41% | 76.47% | 87th pctl | 100 / 752 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |