PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

United Business & Industry

Plainville, CT · Charter 7244

NCUA · 2 branches

Q2 2026

$141.4MAssets
$114.8MLoans
$124.3MShares
$16.2MNet Worth

Executive Summary

  • Earnings: ROA of 1.13%, down 5 bps year over year; NIM at 4.15%.
  • Asset quality: problem loans at 0.09% of loans (-8 bps YoY).
  • Capital: net worth / assets of 11.44%, up 79 bps from a year ago.
  • Funding: loans stand at 92.33% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

1.13%-5 bps YoY

Net Interest Margin (quarter, annualized)

4.15%+12 bps YoY

Efficiency Ratio (quarter, annualized)

66.03%+89 bps YoY

Net Worth / Assets

11.44%+79 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.13%1.05%1.14%1.18%1.17%1.13%1.21%1.13%-5 bps
Return on Equity10.89%10.11%10.96%11.08%10.49%10.28%10.99%9.85%-123 bps
Net Interest Margin3.84%3.80%3.88%4.02%4.20%4.06%4.04%4.15%+12 bps
Efficiency Ratio65.73%66.35%66.27%65.13%65.18%66.00%65.77%66.03%+89 bps
Growth
Asset Growth (YoY)4.28%5.05%5.16%6.30%3.04%5.10%5.32%3.09%-322 bps
Loan Growth (YoY)2.69%2.37%6.67%9.42%8.08%9.12%4.88%0.26%-916 bps
Share Growth (YoY)3.88%4.53%4.71%5.97%1.99%4.29%4.45%2.12%-385 bps
Asset Quality
Delinquent Loans / Loans0.38%0.43%0.36%0.17%0.17%0.11%0.10%0.09%-8 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 Capital10.37%10.34%10.42%10.65%11.15%10.97%11.03%11.44%+79 bps
Net Worth / Assets10.37%10.34%10.42%10.65%11.15%10.97%11.03%11.44%+79 bps
Liquidity & Funding
Loans / Shares93.18%91.12%91.14%94.05%98.74%95.34%91.52%92.33%-172 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps