Union Savings and Loan Association
Connersville, IN · Cert 29933 · Peer group: banks under $1B in assets operating in a single state (n=743-746)
State savings bank · OCC · 4 branches
Q2 2026
$261.8MAssets
$211.9MLoans
$233.7MDeposits
$26.8MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 70% of banks under $1B in assets operating in a single state (rank 227 of 746).
- Widest gap: total risk-based capital ratio trails 88% of banks under $1B in assets operating in a single state (rank 659 of 746).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
1.10%
Rank 355 of 746
Net Interest Margin
4.05%
Rank 227 of 746
Efficiency Ratio
65.97%
Rank 405 of 746
Equity / Assets
10.24%
Rank 396 of 746
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 | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.10% | 0.72% | 1.06% | 1.45% | Beats 52% | 355 / 746 | | |
| Return on Equity | 10.72% | 6.74% | 10.51% | 13.63% | Beats 52% | 355 / 746 | | |
| Net Interest Margin | 4.05% | 3.17% | 3.68% | 4.16% | Beats 70% | 227 / 746 | | |
| Efficiency Ratio | 65.97% | 55.74% | 64.58% | 75.47% | Beats 46% | 405 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.89% | 0.09% | 0.42% | 1.07% | Beats 30% | 518 / 743 | | |
| Net Charge-Offs / Loans | 0.11% | 0.00% | 0.01% | 0.05% | Beats 14% | 641 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 10.45% | 11.55% | 13.75% | 17.60% | Beats 13% | 649 / 746 | | |
| Total Risk-Based Capital Ratio | 10.45% | 11.71% | 14.33% | 18.43% | Beats 12% | 659 / 746 | | |
| Equity / Assets | 10.24% | 8.90% | 10.51% | 13.06% | Beats 47% | 396 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 90.70% | 61.31% | 78.27% | 90.78% | 75th pctl | 188 / 746 | | |
| Loans / Assets | 80.96% | 53.60% | 66.97% | 76.08% | 87th pctl | 95 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |