BlastPoint's Banking Scorecard
United Savings Bank
Designations: ✓ Mutual
Philadelphia, PA
6 branches across PA
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 55 in PA.
- Deposits +2.0% year over year ($332.1M on the books).
- Delinquency rate 0.00%.
- Return on assets 0.84%.
- Efficiency ratio 63.67% vs a 64.48% peer average.
- Loan-to-deposit ratio 52.01% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
United Savings Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 40.5% in tier
- + Nonperforming Asset Ratio 0.67% below tier average
- + Efficiency Ratio 0.81% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.02% below tier average
- - ROA 0.49% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$460.6M
+2.9% YoY
+0.0% QoQ
|
+$74.0M |
$386.6M
+1.2% YoY
|
$3.1B
+7.3% YoY
|
$6.3B
+7.7% YoY
|
68% |
| Total Loans ? |
$172.8M
+5.4% YoY
+2.5% QoQ
|
-$85.6M |
$258.3M
+1.7% YoY
|
$2.3B
+8.0% YoY
|
$3.2B
+9.4% YoY
|
41% |
| Total Deposits ? |
$332.1M
+2.0% YoY
-1.5% QoQ
|
+$5.4M |
$326.7M
+0.7% YoY
|
$2.6B
+7.1% YoY
|
$4.9B
+7.3% YoY
|
60% |
| Return on Assets ? |
0.84%
-6.1% YoY
+12.5% QoQ
|
-0.49% |
1.32%
+10.8% YoY
|
1.63%
+26.6% YoY
|
1.30%
+12.1% YoY
|
25% |
| Net Interest Margin ? |
2.96%
-2.6% YoY
+3.9% QoQ
|
-1.02% |
3.99%
+5.0% YoY
|
3.40%
+8.7% YoY
|
3.95%
+4.9% YoY
|
Bottom 8.9% in tier |
| Efficiency Ratio ? |
63.67%
+2.5% YoY
-4.7% QoQ
|
-0.81% |
64.48%
-3.2% YoY
|
66.68%
-6.6% YoY
|
70.05%
+2.5% YoY
|
46% |
| Delinquency Rate ? | 0.00% | -0.92% |
0.92%
+15.7% YoY
|
0.92%
+32.0% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
52.01%
+3.3% YoY
+4.1% QoQ
|
-25.94% |
77.95%
+1.0% YoY
|
84.75%
+0.9% YoY
|
79.03%
+2.3% YoY
|
Top 9.8% in tier |
| Non-Interest-Bearing Deposit Share ? |
20.09%
-5.6% YoY
-5.4% QoQ
|
-1.94% |
22.03%
-0.6% YoY
|
18.04%
+1.4% YoY
|
21.98%
-0.6% YoY
|
46% |
| Nonperforming Asset Ratio ? | 0.00% | -0.67% |
0.67%
+16.4% YoY
|
0.67%
+21.3% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
17.44%
+0.3% YoY
-0.4% QoQ
|
+1.53% |
15.91%
+1.4% YoY
|
19.93%
+0.1% YoY
|
17.09%
+0.8% YoY
|
79% |
| Non-Interest Income / Assets ? |
0.10%
-0.6% YoY
+104.9% QoQ
|
-0.47% |
0.57%
+7.6% YoY
|
1.47%
+21.0% YoY
|
0.66%
+5.2% YoY
|
18% |
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 (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
20.1%
-1.2pp YoY -1.2pp QoQ |
-2.1pp | 22.1% | 18.7% | 22.2% | 46% |
| Brokered Deposits | n/a | n/a | 7.9% | 6.8% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
1.5%
+1.2pp YoY +1.1pp QoQ |
-10.1pp | 11.6% | 8.6% | 12.5% | 5% |
| CRE | n/a | n/a | 39.5% | 37.9% | 41.4% | n/a |
| 1-4 Family |
61.8%
-2.0pp YoY 0.0pp QoQ |
+29.2pp | 32.6% | 47.8% | 31.3% | 91% |
| Consumer |
0.1%
0.0pp YoY -0.1pp QoQ |
-4.0pp | 4.1% | 3.8% | 5.0% | 4% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 22.3% | 19.7% | n/a |
| Leverage Ratio |
17.4%
+0.1pp YoY -0.1pp QoQ |
+5.3pp | 12.2% | 13.2% | 12.6% | 94% |
| Total Capital Ratio | n/a | n/a | 19.9% | 23.3% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
40
-1 (-2.4%) YoY 0 QoQ |
-19 | 58 | 299 | 482 | 41% |
| Assets per Employee ($) |
$11.5M
+5.5% YoY 0.0% QoQ |
+$4.0M | $7.5M | $9.2M | $8.8M | 91% |
| Branch Count |
6
0 YoY 0 QoQ |
+1 | 4 | 20 | 18 | 66% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.2% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.9% | 0.9% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 24.15x | 3.63x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
4.6%
-0.4pp YoY +0.5pp QoQ |
-7.6pp | 12.2% | 10.2% | 11.6% | 12% |
| Cost of Funds (YTD) |
1.6%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 1.7% | 1.8% | 1.7% | 45% |
| Net Income ($, YTD) |
$1.9M
-2.7% YoY — QoQ |
-$649K | $2.6M | $18.2M | $40.4M | 50% |
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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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.