BlastPoint's Banking Scorecard

Union Federal Savings and Loan Association

$100M-$1B Specialty: Commercial IL FDIC cert 27767

Designations: ✓ Mutual

Kewanee, IL

6 branches across IL · WI

2664 banks in the $100M-$1B peer group nationally 211 in IL

Union Federal Savings and Loan Association has 1 strength but faces 6 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

+ Delinquency Rate 0.24% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 0.9% in tier
- Liquidity Overhang: Bottom 33.8% in tier
- Return on Assets 1.17% below tier average
- Efficiency Ratio 28.53% above tier average
- Non-Interest-Bearing Deposit Share 18.97% below tier average
- Net Interest Margin 0.68% below tier average

Get updates when Union Federal Savings and Loan Association releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$146.1M -1.6% YoY +0.8% QoQ	-$240.0M	$386.1M +0.5% YoY	$2.3B +4.5% YoY	$6.2B +9.1% YoY	Bottom 13.2% in tier
Total Loans ?	$112.4M -9.0% YoY -4.9% QoQ	-$143.3M	$255.7M +1.1% YoY	$1.2B +5.3% YoY	$3.2B +10.8% YoY	24%
Total Deposits ?	$121.6M -2.3% YoY +1.0% QoQ	-$206.4M	$328.0M +0.1% YoY	$1.9B +3.9% YoY	$4.8B +8.2% YoY	Bottom 12.2% in tier
Return on Assets ?	0.10% -41.6% YoY -53.8% QoQ	-1.17%	1.27% +12.9% YoY	1.04% +3.0% YoY	1.23% +13.4% YoY	Bottom 4.7% in tier
Net Interest Margin ?	3.25% +5.8% YoY +1.7% QoQ	-0.68%	3.93% +6.0% YoY	3.61% +7.5% YoY	3.89% +5.7% YoY	20%
Efficiency Ratio ?	93.81% -0.8% YoY +3.1% QoQ	+28.53%	65.29% -4.5% YoY	63.68% -7.4% YoY	66.95% -4.1% YoY	Bottom 4.5% in tier
Delinquency Rate ?	0.65% +80.0% QoQ	-0.24%	0.89% +18.8% YoY	1.15% +15.6% YoY	0.95% +18.8% YoY	38%
Loan-to-Deposit Ratio ?	92.49% -6.9% YoY -5.9% QoQ	+15.85%	76.64% +0.8% YoY	71.92% +1.0% YoY	76.70% +0.9% YoY	19%
Non-Interest-Bearing Deposit Share ?	3.05% +5.6% YoY +38.7% QoQ	-18.97%	22.02% -1.0% YoY	20.45% -1.2% YoY	22.01% -1.2% YoY	Bottom 2.1% in tier
Nonperforming Asset Ratio ?	0.52% +77.6% QoQ	-0.12%	0.64% +19.7% YoY	0.78% +18.1% YoY	0.67% +19.3% YoY	36%
Tier 1 Capital Ratio ?	16.63% +4.7% YoY +0.7% QoQ	+0.80%	15.83% +1.5% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	76%
Non-Interest Income / Assets ?	0.05% +11.0% YoY -74.8% QoQ	-0.23%	0.28% +9.3% YoY	0.34% +6.9% YoY	0.32% +4.1% YoY	18%

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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 (2)

Liquidity Strain

risk

#7 of 643 • Bottom 0.9% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 92.49%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

Liquidity Overhang

risk

#251 of 739 • Bottom 33.8% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 16.63%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 92.49%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 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 2664 peers in $100M-$1B

Top Strengths (1 metrics)

653

Tier 1 Capital Ratio

capital

Value: 16.63%

Peer Median: 15.83%

#653 of 2664 Top 24.5% in $100M-$1B

Top Weaknesses (9 metrics)

2610

Non-Interest-Bearing Deposit Share

funding

Value: 3.05%

Peer Median: 22.02%

#2610 of 2664 Bottom 2.1% in $100M-$1B

2544

Efficiency Ratio

profitability

Value: 93.81%

Peer Median: 65.29%

#2544 of 2664 Bottom 4.5% in $100M-$1B

2540

Return on Assets

profitability

Value: 0.10%

Peer Median: 1.27%

#2540 of 2664 Bottom 4.7% in $100M-$1B

2339

Total Deposits

size

Value: $121.58M

Peer Median: $327.97M

#2339 of 2664 Bottom 12.2% in $100M-$1B

2314

Total Assets

size

Value: $146.12M

Peer Median: $386.08M

#2314 of 2664 Bottom 13.2% in $100M-$1B

2173

Non-Interest Income / Assets

revenue_mix

Value: 0.05%

Peer Median: 0.28%

#2173 of 2664 Bottom 18.5% in $100M-$1B

2147

Loan-to-Deposit Ratio

liquidity

Value: 92.49%

Peer Median: 76.64%

#2147 of 2664 Bottom 19.4% in $100M-$1B

2136

Net Interest Margin

profitability

Value: 3.25%

Peer Median: 3.93%

#2136 of 2664 Bottom 19.9% in $100M-$1B

2037

Total Loans

size

Value: $112.44M

Peer Median: $255.72M

#2037 of 2664 Bottom 23.6% in $100M-$1B