BlastPoint's Banking Scorecard

Union County Savings Bank

$1B-$10B Specialty: Other NJ FDIC cert 12013

Designations: ✓ Community bank ✓ Mutual

Elizabeth, NJ

4 branches across NJ

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 18 in NJ.
Deposits -2.6% year over year ($1.3B on the books).
Delinquency rate 0.91%.
Return on assets -1.45%.
Efficiency ratio 0.00% vs a 59.73% peer average.
Loan-to-deposit ratio 22.71% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 18 in NJ

View $1B-$10B leaderboard (NJ) →

Union County Savings Bank has 1 strength but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Efficiency Ratio 59.73% below tier average

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 45.0% in tier
- Return on Assets 2.84% below tier average
- Net Interest Margin 4.24% below tier average
- Non-Interest-Bearing Deposit Share 17.24% below tier average
- Non-Interest Income / Assets 0.52% below tier average

Get updates when Union County Savings Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Total Assets ?	$1.5B -2.4% YoY -0.8% QoQ	-$1.3B	$2.8B -0.6% YoY	$4.4B +7.9% YoY	$6.3B +7.7% YoY	34%
Total Loans ?	$306.6M +8.1% YoY +2.2% QoQ	-$1.7B	$2.0B -0.3% YoY	$3.3B +6.8% YoY	$3.2B +9.4% YoY	Bottom 1.5% in tier
Total Deposits ?	$1.3B -2.6% YoY +0.1% QoQ	-$968.9M	$2.3B -0.5% YoY	$3.6B +8.2% YoY	$4.9B +7.3% YoY	39%
Return on Assets ?	-1.45% +4.9% YoY -5.8% QoQ	-2.84%	1.39% +17.0% YoY	0.53% -11.1% YoY	1.30% +12.1% YoY	Bottom 0.5% in tier
Net Interest Margin ?	-0.37% +24.9% YoY +11.0% QoQ	-4.24%	3.87% +6.2% YoY	3.11% +4.3% YoY	3.95% +4.9% YoY	Bottom 0.2% in tier
Efficiency Ratio ?	0.00%	-59.73%	59.73% -12.6% YoY	78.52% +3.6% YoY	70.05% +2.5% YoY	Top 0.1% in tier
Delinquency Rate ?	0.91% +67.0% YoY +11.1% QoQ	+0.05%	0.87% +11.7% YoY	0.69% -16.2% YoY	0.98% +16.3% YoY	30%
Loan-to-Deposit Ratio ?	22.71% +11.0% YoY +2.1% QoQ	-62.32%	85.04% -0.1% YoY	81.90% -3.2% YoY	79.03% +2.3% YoY	Top 1.2% in tier
Non-Interest-Bearing Deposit Share ?	4.03% +7.6% YoY +2.5% QoQ	-17.24%	21.27% -1.5% YoY	16.56% -0.1% YoY	21.98% -0.6% YoY	Bottom 3.3% in tier
Nonperforming Asset Ratio ?	0.19% +85.0% YoY +14.3% QoQ	-0.48%	0.67% +11.7% YoY	0.61% -0.3% YoY	0.69% +15.8% YoY	74%
Tier 1 Capital Ratio ?	20.79% -14.2% YoY -4.4% QoQ	+5.95%	14.84% -0.4% YoY	19.31% +2.7% YoY	17.09% +0.8% YoY	Top 6.3% in tier
Non-Interest Income / Assets ?	0.01% +45.0% YoY +89.2% QoQ	-0.52%	0.53% +2.5% YoY	0.77% -2.9% YoY	0.66% +5.2% YoY	Bottom 1.1% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Noninterest-Bearing	4.0% +0.3pp YoY +0.1pp QoQ	-17.3pp	21.4%	16.6%	22.2%	3%
Brokered Deposits	9.1% +1.2pp YoY +1.1pp QoQ	-0.4pp	9.5%	10.1%	8.5%	66%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
C&I	3.5% +3.2pp YoY -0.1pp QoQ	-10.5pp	14.0%	6.5%	12.5%	11%
CRE	39.9% +7.1pp YoY +1.8pp QoQ	-10.2pp	50.0%	56.3%	41.4%	24%
1-4 Family	56.2% -10.2pp YoY -1.7pp QoQ	+29.8pp	26.4%	39.4%	31.3%	93%
Consumer	0.3% 0.0pp YoY 0.0pp QoQ	-4.5pp	4.7%	4.3%	5.0%	22%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
CET1 Ratio	20.8% -3.4pp YoY -1.0pp QoQ	+5.2pp	15.6%	18.8%	19.7%	93%
Leverage Ratio	7.8% -0.9pp YoY -0.3pp QoQ	-3.5pp	11.3%	13.4%	12.6%	2%
Total Capital Ratio	21.1% -3.4pp YoY -1.0pp QoQ	+4.4pp	16.7%	19.8%	20.8%	92%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Full-Time Employees	51 +5 (+10.9%) YoY +3 (+6.2%) QoQ	-263	313	336	482	1%
Assets per Employee ($)	$29.0M -12.0% YoY -6.6% QoQ	+$18.5M	$10.5M	$11.2M	$8.8M	97%
Branch Count	4 0 YoY 0 QoQ	-16	20	20	18	10%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.1%	0.4%	n/a
Nonaccrual	0.9% +0.4pp YoY +0.1pp QoQ	+0.1pp	0.8%	0.8%	1.0%	71%
Allowance Coverage	0.72x -40.5% YoY -10.5% QoQ	-17.99x	18.71x	6.57x	20.23x	13%
Net Charge-off Rate (YTD)	n/a	n/a	0.3%	0.2%	0.2%	n/a

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
ROE	n/a	n/a	12.6%	6.4%	11.6%	n/a
Cost of Funds (YTD)	3.5% -0.4pp YoY 0.0pp QoQ	+1.6pp	1.9%	1.9%	1.7%	99%
Net Income ($, YTD)	$-10806000.0 +9.7% YoY — QoQ	-$30.0M	$19.2M	$19.8M	$40.4M	1%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Deposit Outflow

decline

#60 of 131 • Bottom 45.0% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

131 of 131 Mid-Market banks match · 686 nationally

→ Stable +31 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (3 metrics)

Efficiency Ratio

profitability

Value: 0.00%

Peer Median: 59.73%

#1 of 885 Top 0.1% in $1B-$10B

Loan-to-Deposit Ratio

liquidity

Value: 22.71%

Peer Median: 85.04%

#12 of 885 Top 1.2% in $1B-$10B

Tier 1 Capital Ratio

capital

Value: 20.79%

Peer Median: 14.84%

#57 of 885 Top 6.3% in $1B-$10B

Top Weaknesses (5 metrics)

884

Net Interest Margin

profitability

Value: -0.37%

Peer Median: 3.87%

#884 of 885 Bottom 0.2% in $1B-$10B

882

Return on Assets

profitability

Value: -1.45%

Peer Median: 1.39%

#882 of 885 Bottom 0.5% in $1B-$10B

876

Non-Interest Income / Assets

revenue_mix

Value: 0.01%

Peer Median: 0.53%

#876 of 885 Bottom 1.1% in $1B-$10B

873

Total Loans

size

Value: $306.63M

Peer Median: $1.96B

#873 of 885 Bottom 1.5% in $1B-$10B

857

Non-Interest-Bearing Deposit Share

funding

Value: 4.03%

Peer Median: 21.27%

#857 of 885 Bottom 3.3% in $1B-$10B