BlastPoint's Banking Scorecard
Union Bank
Designations: ✓ Community bank
Morrisville, VT
21 branches across VT · NH
Union Bank faces 5 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 21.3% in tier
- - ROA 0.57% below tier average
- - Net Interest Margin 0.80% below tier average
- - Efficiency Ratio 14.88% above tier average
- - Delinquency Rate 0.25% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (VT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.6B
+6.6% YoY
+0.5% QoQ
|
-$1.2B |
$2.8B
-0.1% YoY
|
$743.5M
+4.5% YoY
|
$6.2B
+9.1% YoY
|
40% |
| Total Loans ? |
$1.2B
+1.4% YoY
+0.2% QoQ
|
-$789.8M |
$2.0B
+0.6% YoY
|
$533.5M
+5.7% YoY
|
$3.2B
+10.8% YoY
|
42% |
| Total Deposits ? |
$1.2B
+1.6% YoY
-1.1% QoQ
|
-$1.1B |
$2.3B
-0.3% YoY
|
$610.4M
+4.0% YoY
|
$4.8B
+8.2% YoY
|
31% |
| Return on Assets ? |
0.80%
+12.4% YoY
+3.4% QoQ
|
-0.57% |
1.37%
+19.6% YoY
|
0.81%
+21.8% YoY
|
1.23%
+13.4% YoY
|
21% |
| Net Interest Margin ? |
3.02%
+3.0% YoY
-0.5% QoQ
|
-0.80% |
3.82%
+6.9% YoY
|
3.55%
+8.5% YoY
|
3.89%
+5.7% YoY
|
18% |
| Efficiency Ratio ? |
75.94%
+1.2% YoY
+1.3% QoQ
|
+14.88% |
61.06%
-4.6% YoY
|
76.06%
-2.4% YoY
|
66.95%
-4.1% YoY
|
Bottom 13.1% in tier |
| Delinquency Rate ? |
1.13%
-12.2% YoY
-3.6% QoQ
|
+0.25% |
0.89%
+14.1% YoY
|
0.54%
-9.4% YoY
|
0.95%
+18.8% YoY
|
23% |
| Loan-to-Deposit Ratio ? |
97.56%
-0.2% YoY
+1.3% QoQ
|
+13.36% |
84.20%
+0.3% YoY
|
85.29%
+3.0% YoY
|
76.70%
+0.9% YoY
|
18% |
| Non-Interest-Bearing Deposit Share ? |
18.71%
-6.2% YoY
-0.9% QoQ
|
-2.58% |
21.29%
-2.5% YoY
|
19.30%
-2.0% YoY
|
22.01%
-1.2% YoY
|
45% |
| Nonperforming Asset Ratio ? |
0.82%
-16.5% YoY
-3.9% QoQ
|
+0.15% |
0.67%
+15.6% YoY
|
0.47%
-6.9% YoY
|
0.67%
+19.3% YoY
|
26% |
| Tier 1 Capital Ratio ? |
12.03%
+3.2% YoY
+1.3% QoQ
|
-3.13% |
15.16%
+2.0% YoY
|
15.07%
+1.0% YoY
|
17.06%
+0.8% YoY
|
32% |
| Non-Interest Income / Assets ? |
0.15%
-5.0% YoY
-78.0% QoQ
|
-0.10% |
0.26%
+1.6% YoY
|
0.16%
-5.6% YoY
|
0.32%
+4.1% YoY
|
55% |
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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 (0)
Concerns (1)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.