BlastPoint's Banking Scorecard
United Savings Bank
Designations: ✓ Mutual
Philadelphia, PA
6 branches across PA
United Savings Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.89% below tier average
- + Nonperforming Asset Ratio 0.64% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.08% below tier average
- - ROA 0.53% below tier average
- - Efficiency Ratio 1.51% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$460.4M
+5.0% YoY
+2.7% QoQ
|
+$74.3M |
$386.1M
+0.5% YoY
|
$3.1B
+7.0% YoY
|
$6.2B
+9.1% YoY
|
68% |
| Total Loans ? |
$168.5M
+1.3% YoY
+1.7% QoQ
|
-$87.2M |
$255.7M
+1.1% YoY
|
$2.2B
+7.7% YoY
|
$3.2B
+10.8% YoY
|
41% |
| Total Deposits ? |
$337.3M
+5.6% YoY
+3.5% QoQ
|
+$9.4M |
$328.0M
+0.1% YoY
|
$2.6B
+7.1% YoY
|
$4.8B
+8.2% YoY
|
61% |
| Return on Assets ? |
0.74%
-5.4% YoY
-18.8% QoQ
|
-0.53% |
1.27%
+12.9% YoY
|
1.46%
+26.2% YoY
|
1.23%
+13.4% YoY
|
23% |
| Net Interest Margin ? |
2.85%
-1.9% YoY
-6.5% QoQ
|
-1.08% |
3.93%
+6.0% YoY
|
3.32%
+8.7% YoY
|
3.89%
+5.7% YoY
|
Bottom 7.6% in tier |
| Efficiency Ratio ? |
66.79%
+2.0% YoY
+9.0% QoQ
|
+1.51% |
65.29%
-4.5% YoY
|
69.09%
-7.7% YoY
|
66.95%
-4.1% YoY
|
40% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-0.89% |
0.89%
+18.8% YoY
|
0.92%
+20.5% YoY
|
0.95%
+18.8% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
49.94%
-4.0% YoY
-1.8% QoQ
|
-26.69% |
76.64%
+0.8% YoY
|
83.35%
-0.2% YoY
|
76.70%
+0.9% YoY
|
Top 9.3% in tier |
| Non-Interest-Bearing Deposit Share ? |
21.24%
-3.5% YoY
+12.4% QoQ
|
-0.78% |
22.02%
-1.0% YoY
|
17.71%
-0.1% YoY
|
22.01%
-1.2% YoY
|
51% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.64% |
0.64%
+19.7% YoY
|
0.67%
+14.7% YoY
|
0.67%
+19.3% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
17.51%
+1.2% YoY
+0.9% QoQ
|
+1.68% |
15.83%
+1.5% YoY
|
20.10%
+0.3% YoY
|
17.06%
+0.8% YoY
|
79% |
| Non-Interest Income / Assets ? |
0.05%
-2.1% YoY
-76.3% QoQ
|
-0.23% |
0.28%
+9.3% YoY
|
0.69%
+18.0% YoY
|
0.32%
+4.1% YoY
|
18% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.