BlastPoint's Banking Scorecard

United Roosevelt Savings Bank

$100M-$1B Specialty: Commercial NJ FDIC cert 29170

Carteret, NJ

2 branches across NJ

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 25 in NJ.
Deposits +18.5% year over year ($303.5M on the books).
Delinquency rate 0.03%.
Return on assets 0.45%.
Efficiency ratio 75.87% vs a 64.48% peer average.
Loan-to-deposit ratio 104.65% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 25 in NJ

View $100M-$1B leaderboard (NJ) →

United Roosevelt Savings Bank 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

+ Credit Quality Leader: Top 22.9% in tier

Key Concerns

Areas that may need attention

- Net Interest Margin 1.02% below tier average
- Loan-to-Deposit Ratio 26.70% above tier average
- Non-Interest-Bearing Deposit Share 15.50% below tier average
- Non-Interest Income / Assets 0.51% below tier average
- ROA 0.87% below tier average
- Efficiency Ratio 11.39% above tier average

Get updates when United Roosevelt Savings Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Total Assets ?	$381.2M +17.2% YoY -0.7% QoQ	-$5.4M	$386.6M +1.2% YoY	$4.4B +7.9% YoY	$6.3B +7.7% YoY	58%
Total Loans ?	$317.6M +21.6% YoY +4.2% QoQ	+$59.2M	$258.3M +1.7% YoY	$3.3B +6.8% YoY	$3.2B +9.4% YoY	70%
Total Deposits ?	$303.5M +18.5% YoY +0.7% QoQ	-$23.3M	$326.7M +0.7% YoY	$3.6B +8.2% YoY	$4.9B +7.3% YoY	56%
Return on Assets ?	0.45% +104.6% YoY -18.4% QoQ	-0.87%	1.32% +10.8% YoY	0.53% -11.1% YoY	1.30% +12.1% YoY	Bottom 11.0% in tier
Net Interest Margin ?	2.97% +6.8% YoY -1.1% QoQ	-1.02%	3.99% +5.0% YoY	3.11% +4.3% YoY	3.95% +4.9% YoY	Bottom 9.0% in tier
Efficiency Ratio ?	75.87% -7.2% YoY +5.9% QoQ	+11.39%	64.48% -3.2% YoY	78.52% +3.6% YoY	70.05% +2.5% YoY	19%
Delinquency Rate ?	0.03% -34.7% YoY -11.6% QoQ	-0.89%	0.92% +15.7% YoY	0.69% -16.2% YoY	0.98% +16.3% YoY	83%
Loan-to-Deposit Ratio ?	104.65% +2.6% YoY +3.5% QoQ	+26.70%	77.95% +1.0% YoY	81.90% -3.2% YoY	79.03% +2.3% YoY	Bottom 5.9% in tier
Non-Interest-Bearing Deposit Share ?	6.53% +111.2% YoY -18.2% QoQ	-15.50%	22.03% -0.6% YoY	16.56% -0.1% YoY	21.98% -0.6% YoY	Bottom 5.3% in tier
Nonperforming Asset Ratio ?	0.02% -32.2% YoY -7.2% QoQ	-0.64%	0.67% +16.4% YoY	0.61% -0.3% YoY	0.69% +15.8% YoY	83%
Tier 1 Capital Ratio ?	13.29% +11.7% YoY -1.3% QoQ	-2.62%	15.91% +1.4% YoY	19.31% +2.7% YoY	17.09% +0.8% YoY	51%
Non-Interest Income / Assets ?	0.06% +37.7% YoY +99.7% QoQ	-0.51%	0.57% +7.6% YoY	0.77% -2.9% YoY	0.66% +5.2% YoY	Bottom 7.4% in tier

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 (NJ)	National Avg	Tier Percentile
Noninterest-Bearing	6.5% +3.4pp YoY -1.4pp QoQ	-15.6pp	22.1%	16.6%	22.2%	5%
Brokered Deposits	21.1% -0.7pp YoY +0.7pp QoQ	+13.3pp	7.9%	10.1%	8.5%	92%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
C&I	11.9% -5.6pp YoY -1.3pp QoQ	+0.4pp	11.6%	6.5%	12.5%	63%
CRE	n/a	n/a	39.5%	56.3%	41.4%	n/a
1-4 Family	58.2% +1.7pp YoY -0.2pp QoQ	+25.5pp	32.6%	39.4%	31.3%	88%
Consumer	11.6% +8.2pp YoY +1.1pp QoQ	+7.5pp	4.1%	4.3%	5.0%	94%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
CET1 Ratio	13.3% +1.4pp YoY -0.2pp QoQ	-5.5pp	18.8%	18.8%	19.7%	31%
Leverage Ratio	9.1% +1.2pp YoY +0.2pp QoQ	-3.1pp	12.2%	13.4%	12.6%	14%
Total Capital Ratio	14.3% +1.6pp YoY -0.2pp QoQ	-5.7pp	19.9%	19.8%	20.8%	30%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Full-Time Employees	33 +4 (+13.8%) YoY +2 (+6.5%) QoQ	-26	58	336	482	31%
Assets per Employee ($)	$11.6M +3.0% YoY -6.7% QoQ	+$4.0M	$7.5M	$11.2M	$8.8M	92%
Branch Count	2 0 YoY 0 QoQ	-3	4	20	18	11%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.1%	0.4%	n/a
Nonaccrual	0.0% 0.0pp YoY 0.0pp QoQ	-0.9pp	0.9%	0.8%	1.0%	8%
Allowance Coverage	26.42x +87.6% YoY +12.8% QoQ	+2.27x	24.15x	6.57x	20.23x	90%
Net Charge-off Rate (YTD)	0.0% +0.1pp YoY	-0.1pp	0.1%	0.2%	0.2%	60%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
ROE	5.4% +2.5pp YoY -1.5pp QoQ	-6.8pp	12.2%	6.4%	11.6%	15%
Cost of Funds (YTD)	2.7% +0.1pp YoY 0.0pp QoQ	+1.0pp	1.7%	1.9%	1.7%	94%
Net Income ($, YTD)	$851,000 +141.8% YoY — QoQ	-$1.7M	$2.6M	$19.8M	$40.4M	22%

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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 (1)

Credit Quality Leader

growth

#152 of 659 • Top 22.9% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.03%

(Tier: 0.92%, National: 0.98%)

better than tier avg

659 of 659 Community banks match · 920 nationally

→ Stable +1 banks QoQ | QoQ rank declining

Concerns (0)

No matched concern signatures this quarter

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 2643 peers in $100M-$1B

Top Strengths (2 metrics)

452

Nonperforming Asset Ratio

credit_quality

Value: 0.02%

Peer Median: 0.67%

#452 of 2643 Top 17.1% in $100M-$1B

461

Delinquency Rate

credit_quality

Value: 0.03%

Peer Median: 0.92%

#461 of 2633 Top 17.5% in $100M-$1B

Top Weaknesses (6 metrics)

2504

Non-Interest-Bearing Deposit Share

funding

Value: 6.53%

Peer Median: 22.03%

#2504 of 2643 Bottom 5.3% in $100M-$1B

2487

Loan-to-Deposit Ratio

liquidity

Value: 104.65%

Peer Median: 77.95%

#2487 of 2643 Bottom 5.9% in $100M-$1B

2448

Non-Interest Income / Assets

revenue_mix

Value: 0.06%

Peer Median: 0.57%

#2448 of 2643 Bottom 7.4% in $100M-$1B

2407

Net Interest Margin

profitability

Value: 2.97%

Peer Median: 3.99%

#2407 of 2643 Bottom 9.0% in $100M-$1B

2353

Return on Assets

profitability

Value: 0.45%

Peer Median: 1.32%

#2353 of 2643 Bottom 11.0% in $100M-$1B

2143

Efficiency Ratio

profitability

Value: 75.87%

Peer Median: 64.48%

#2143 of 2643 Bottom 19.0% in $100M-$1B