BlastPoint's Banking Scorecard
Union Federal Savings and Loan Association
Designations: ✓ Mutual
Kewanee, IL
6 branches across IL · WI
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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 211 in IL.
- Deposits -0.3% year over year ($121.0M on the books).
- Delinquency rate 0.52%.
- Return on assets 0.25%.
- Efficiency ratio 90.61% vs a 64.48% peer average.
- Loan-to-deposit ratio 90.83% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Union Federal Savings and Loan Association has 1 strength but faces 7 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.40% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 0.1% in tier
- - Liquidity Overhang: Bottom 38.4% in tier
- - Credit Quality Pressure: Bottom 39.2% in tier
- - Return on Assets 1.07% below tier average
- - Efficiency Ratio 26.13% above tier average
- - Non-Interest-Bearing Deposit Share 18.48% below tier average
- - Net Interest Margin 0.71% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$145.6M
+0.0% YoY
-0.4% QoQ
|
-$241.0M |
$386.6M
+1.2% YoY
|
$2.4B
+4.3% YoY
|
$6.3B
+7.7% YoY
|
Bottom 12.8% in tier |
| Total Loans ? |
$109.9M
-9.7% YoY
-2.3% QoQ
|
-$148.5M |
$258.3M
+1.7% YoY
|
$1.3B
+4.4% YoY
|
$3.2B
+9.4% YoY
|
22% |
| Total Deposits ? |
$121.0M
-0.3% YoY
-0.5% QoQ
|
-$205.7M |
$326.7M
+0.7% YoY
|
$1.9B
+3.7% YoY
|
$4.9B
+7.3% YoY
|
Bottom 12.3% in tier |
| Return on Assets ? |
0.25%
+21.9% YoY
+144.5% QoQ
|
-1.07% |
1.32%
+10.8% YoY
|
1.12%
+2.8% YoY
|
1.30%
+12.1% YoY
|
Bottom 6.5% in tier |
| Net Interest Margin ? |
3.28%
+5.9% YoY
+0.7% QoQ
|
-0.71% |
3.99%
+5.0% YoY
|
3.68%
+7.2% YoY
|
3.95%
+4.9% YoY
|
19% |
| Efficiency Ratio ? |
90.61%
-4.1% YoY
-3.4% QoQ
|
+26.13% |
64.48%
-3.2% YoY
|
63.11%
-4.5% YoY
|
70.05%
+2.5% YoY
|
Bottom 5.3% in tier |
| Delinquency Rate ? |
0.52%
+75.4% YoY
-20.4% QoQ
|
-0.40% |
0.92%
+15.7% YoY
|
1.19%
+6.2% YoY
|
0.98%
+16.3% YoY
|
45% |
| Loan-to-Deposit Ratio ? |
90.83%
-9.4% YoY
-1.8% QoQ
|
+12.88% |
77.95%
+1.0% YoY
|
72.86%
+0.7% YoY
|
79.03%
+2.3% YoY
|
24% |
| Non-Interest-Bearing Deposit Share ? |
3.55%
+8.8% YoY
+16.5% QoQ
|
-18.48% |
22.03%
-0.6% YoY
|
20.01%
-0.1% YoY
|
21.98%
-0.6% YoY
|
Bottom 2.5% in tier |
| Nonperforming Asset Ratio ? |
0.39%
+58.4% YoY
-25.4% QoQ
|
-0.28% |
0.67%
+16.4% YoY
|
0.81%
+6.3% YoY
|
0.69%
+15.8% YoY
|
45% |
| Tier 1 Capital Ratio ? |
16.53%
+3.2% YoY
-0.6% QoQ
|
+0.63% |
15.91%
+1.4% YoY
|
17.17%
+1.3% YoY
|
17.09%
+0.8% YoY
|
75% |
| Non-Interest Income / Assets ? |
0.11%
+19.5% YoY
+124.7% QoQ
|
-0.46% |
0.57%
+7.6% YoY
|
0.68%
+1.1% YoY
|
0.66%
+5.2% YoY
|
22% |
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 (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
3.5%
+0.3pp YoY +0.5pp QoQ |
-18.6pp | 22.1% | 20.1% | 22.2% | 2% |
| Brokered Deposits | n/a | n/a | 7.9% | 8.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
1.2%
-0.4pp YoY -0.1pp QoQ |
-10.4pp | 11.6% | 14.7% | 12.5% | 4% |
| CRE |
37.7%
-2.9pp YoY -0.1pp QoQ |
-1.8pp | 39.5% | 37.9% | 41.4% | 48% |
| 1-4 Family |
62.2%
+3.3pp YoY 0.0pp QoQ |
+29.5pp | 32.6% | 28.3% | 31.3% | 91% |
| Consumer |
0.2%
0.0pp YoY 0.0pp QoQ |
-3.9pp | 4.1% | 5.4% | 5.0% | 9% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 19.9% | 19.7% | n/a |
| Leverage Ratio |
16.5%
+0.5pp YoY -0.1pp QoQ |
+4.4pp | 12.2% | 12.2% | 12.6% | 92% |
| Total Capital Ratio | n/a | n/a | 19.9% | 20.9% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
33
0 YoY 0 QoQ |
-26 | 58 | 228 | 482 | 31% |
| Assets per Employee ($) |
$4.4M
0.0% YoY -0.4% QoQ |
-$3.1M | $7.5M | $8.3M | $8.8M | 8% |
| Branch Count |
6
0 YoY 0 QoQ |
+1 | 4 | 10 | 18 | 66% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.5%
+0.2pp YoY -0.1pp QoQ |
-0.4pp | 0.9% | 1.1% | 1.0% | 53% |
| Allowance Coverage |
2.28x
-42.5% YoY +10.4% QoQ |
-21.88x | 24.15x | 5.62x | 20.23x | 51% |
| Net Charge-off Rate (YTD) |
0.3%
+0.3pp YoY +0.3pp QoQ |
+0.2pp | 0.1% | 0.1% | 0.2% | 90% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
1.5%
+0.2pp YoY +0.9pp QoQ |
-10.7pp | 12.2% | 10.5% | 11.6% | 5% |
| Cost of Funds (YTD) |
1.4%
-0.1pp YoY 0.0pp QoQ |
-0.3pp | 1.7% | 1.6% | 1.7% | 31% |
| Net Income ($, YTD) |
$181,000
+19.9% YoY — QoQ |
-$2.4M | $2.6M | $11.7M | $40.4M | 5% |
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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 (3)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.