BlastPoint's Banking Scorecard
Union Savings Bank
Designations: ✓ Community bank
Danbury, CT
26 branches across CT
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 15 in CT.
- Deposits +6.5% year over year ($2.5B on the books).
- Delinquency rate 0.29%.
- Return on assets 0.81%.
- Efficiency ratio 69.65% vs a 59.73% peer average.
- Loan-to-deposit ratio 92.62% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
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 32.7% in tier
- - ROA 0.58% below tier average
- - Net Interest Margin 0.77% below tier average
- - Efficiency Ratio 9.92% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.3B
+4.6% YoY
+0.0% QoQ
|
+$509.9M |
$2.8B
-0.6% YoY
|
$4.8B
+5.5% YoY
|
$6.3B
+7.7% YoY
|
74% |
| Total Loans ? |
$2.4B
+7.6% YoY
+2.8% QoQ
|
+$398.6M |
$2.0B
-0.3% YoY
|
$3.3B
+8.0% YoY
|
$3.2B
+9.4% YoY
|
74% |
| Total Deposits ? |
$2.5B
+6.5% YoY
+1.1% QoQ
|
+$231.1M |
$2.3B
-0.5% YoY
|
$3.9B
+6.2% YoY
|
$4.9B
+7.3% YoY
|
71% |
| Return on Assets ? |
0.81%
+20.8% YoY
+4.7% QoQ
|
-0.58% |
1.39%
+17.0% YoY
|
1.11%
+57.7% YoY
|
1.30%
+12.1% YoY
|
19% |
| Net Interest Margin ? |
3.10%
+6.5% YoY
+2.3% QoQ
|
-0.77% |
3.87%
+6.2% YoY
|
3.44%
+11.6% YoY
|
3.95%
+4.9% YoY
|
19% |
| Efficiency Ratio ? |
69.65%
-4.8% YoY
-0.7% QoQ
|
+9.92% |
59.73%
-12.6% YoY
|
72.27%
-70.9% YoY
|
70.05%
+2.5% YoY
|
22% |
| Delinquency Rate ? |
0.29%
-24.8% YoY
-7.7% QoQ
|
-0.57% |
0.87%
+11.7% YoY
|
0.70%
-4.9% YoY
|
0.98%
+16.3% YoY
|
69% |
| Loan-to-Deposit Ratio ? |
92.62%
+1.1% YoY
+1.6% QoQ
|
+7.59% |
85.04%
-0.1% YoY
|
91.71%
+1.4% YoY
|
79.03%
+2.3% YoY
|
34% |
| Non-Interest-Bearing Deposit Share ? |
27.89%
-0.1% YoY
+4.0% QoQ
|
+6.62% |
21.27%
-1.5% YoY
|
22.06%
+1.6% YoY
|
21.98%
-0.6% YoY
|
79% |
| Nonperforming Asset Ratio ? |
0.21%
-22.7% YoY
-5.2% QoQ
|
-0.47% |
0.67%
+11.7% YoY
|
0.53%
-3.6% YoY
|
0.69%
+15.8% YoY
|
72% |
| Tier 1 Capital Ratio ? |
11.48%
-0.2% YoY
+0.6% QoQ
|
-3.36% |
14.84%
-0.4% YoY
|
14.05%
-0.0% YoY
|
17.09%
+0.8% YoY
|
25% |
| Non-Interest Income / Assets ? |
0.33%
+1.4% YoY
+112.0% QoQ
|
-0.20% |
0.53%
+2.5% YoY
|
0.35%
+5.1% YoY
|
0.66%
+5.2% YoY
|
58% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
27.9%
0.0pp YoY +1.1pp QoQ |
+6.5pp | 21.4% | 22.1% | 22.2% | 79% |
| Brokered Deposits |
2.9%
+0.6pp YoY 0.0pp QoQ |
-6.5pp | 9.5% | 8.1% | 8.5% | 34% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
1.3%
-0.1pp YoY 0.0pp QoQ |
-12.7pp | 14.0% | 11.4% | 12.5% | 3% |
| CRE |
62.5%
+0.4pp YoY +0.3pp QoQ |
+12.4pp | 50.0% | 42.4% | 41.4% | 80% |
| 1-4 Family |
36.8%
-0.5pp YoY -0.4pp QoQ |
+10.4pp | 26.4% | 42.2% | 31.3% | 78% |
| Consumer |
0.4%
+0.1pp YoY +0.1pp QoQ |
-4.3pp | 4.7% | 4.1% | 5.0% | 29% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 15.6% | 15.0% | 19.7% | n/a |
| Leverage Ratio |
11.5%
0.0pp YoY +0.1pp QoQ |
+0.2pp | 11.3% | 12.7% | 12.6% | 69% |
| Total Capital Ratio | n/a | n/a | 16.7% | 16.0% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
364
0 YoY +3 (+0.8%) QoQ |
+50 | 313 | 342 | 482 | 74% |
| Assets per Employee ($) |
$9.1M
+4.6% YoY -0.8% QoQ |
-$1.4M | $10.5M | $9.9M | $8.8M | 54% |
| Branch Count |
26
0 YoY 0 QoQ |
+6 | 20 | 19 | 18 | 77% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.2% | 0.4% | n/a |
| Nonaccrual |
0.3%
-0.1pp YoY 0.0pp QoQ |
-0.5pp | 0.8% | 0.7% | 1.0% | 30% |
| Allowance Coverage |
3.55x
+27.4% YoY +7.5% QoQ |
-15.16x | 18.71x | 4.87x | 20.23x | 68% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.1% | 0.2% | 7% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
8.4%
+0.9pp YoY +0.3pp QoQ |
-4.2pp | 12.6% | 8.2% | 11.6% | 22% |
| Cost of Funds (YTD) |
1.6%
-0.1pp YoY 0.0pp QoQ |
-0.3pp | 1.9% | 1.7% | 1.7% | 28% |
| Net Income ($, YTD) |
$13.4M
+27.8% YoY — QoQ |
-$5.9M | $19.2M | $28.0M | $40.4M | 54% |
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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.