BlastPoint's Banking Scorecard
Union Savings Bank
Designations: ✓ Community bank
Danbury, CT
26 branches across CT
Union Savings Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.57% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 29.0% in tier
- - ROA 0.59% below tier average
- - Net Interest Margin 0.79% below tier average
- - Efficiency Ratio 9.06% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.3B
+5.9% YoY
+0.2% QoQ
|
+$486.4M |
$2.8B
-0.1% YoY
|
$4.6B
+6.9% YoY
|
$6.2B
+9.1% YoY
|
75% |
| Total Loans ? |
$2.3B
+7.7% YoY
+0.1% QoQ
|
+$333.4M |
$2.0B
+0.6% YoY
|
$3.2B
+8.3% YoY
|
$3.2B
+10.8% YoY
|
73% |
| Total Deposits ? |
$2.5B
+7.0% YoY
+1.6% QoQ
|
+$177.8M |
$2.3B
-0.3% YoY
|
$3.7B
+5.9% YoY
|
$4.8B
+8.2% YoY
|
70% |
| Return on Assets ? |
0.77%
+15.9% YoY
+26.1% QoQ
|
-0.59% |
1.37%
+19.6% YoY
|
0.98%
+59.4% YoY
|
1.23%
+13.4% YoY
|
20% |
| Net Interest Margin ? |
3.03%
+5.9% YoY
+2.5% QoQ
|
-0.79% |
3.82%
+6.9% YoY
|
3.30%
+11.1% YoY
|
3.89%
+5.7% YoY
|
18% |
| Efficiency Ratio ? |
70.12%
-3.7% YoY
-7.5% QoQ
|
+9.06% |
61.06%
-4.6% YoY
|
74.04%
-0.3% YoY
|
66.95%
-4.1% YoY
|
23% |
| Delinquency Rate ? |
0.32%
-21.7% YoY
-6.0% QoQ
|
-0.57% |
0.89%
+14.1% YoY
|
0.76%
+15.1% YoY
|
0.95%
+18.8% YoY
|
68% |
| Loan-to-Deposit Ratio ? |
91.16%
+0.7% YoY
-1.4% QoQ
|
+6.96% |
84.20%
+0.3% YoY
|
87.65%
+0.6% YoY
|
76.70%
+0.9% YoY
|
34% |
| Non-Interest-Bearing Deposit Share ? |
26.82%
-5.0% YoY
-0.1% QoQ
|
+5.53% |
21.29%
-2.5% YoY
|
20.48%
-2.9% YoY
|
22.01%
-1.2% YoY
|
76% |
| Nonperforming Asset Ratio ? |
0.22%
-20.4% YoY
-6.0% QoQ
|
-0.45% |
0.67%
+15.6% YoY
|
0.54%
+14.2% YoY
|
0.67%
+19.3% YoY
|
71% |
| Tier 1 Capital Ratio ? |
11.41%
+0.7% YoY
+0.7% QoQ
|
-3.75% |
15.16%
+2.0% YoY
|
15.66%
+1.9% YoY
|
17.06%
+0.8% YoY
|
22% |
| Non-Interest Income / Assets ? |
0.15%
-4.5% YoY
-75.4% QoQ
|
-0.10% |
0.26%
+1.6% YoY
|
0.74%
+3.6% 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.