BlastPoint's Banking Scorecard

United Roosevelt Savings Bank

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

Carteret, NJ

2 branches across NJ

2664 banks in the $100M-$1B peer group nationally 23 in NJ

United Roosevelt Savings Bank has 1 strength but faces 7 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 16.3% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 1.9% in tier
- Loan-to-Deposit Ratio 24.46% above tier average
- Non-Interest-Bearing Deposit Share 14.04% below tier average
- Non-Interest Income / Assets 0.25% below tier average
- ROA 0.72% below tier average
- Net Interest Margin 0.93% below tier average
- Efficiency Ratio 6.36% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Total Assets ?	$384.0M +20.8% YoY +4.4% QoQ	-$2.1M	$386.1M +0.5% YoY	$4.1B +2.0% YoY	$6.2B +9.1% YoY	59%
Total Loans ?	$304.7M +20.0% YoY +1.4% QoQ	+$49.0M	$255.7M +1.1% YoY	$3.1B +1.9% YoY	$3.2B +10.8% YoY	68%
Total Deposits ?	$301.4M +20.1% YoY +3.1% QoQ	-$26.5M	$328.0M +0.1% YoY	$3.3B +2.8% YoY	$4.8B +8.2% YoY	55%
Return on Assets ?	0.55% +113.4% YoY +129.8% QoQ	-0.72%	1.27% +12.9% YoY	0.42% -40.1% YoY	1.23% +13.4% YoY	Bottom 14.5% in tier
Net Interest Margin ?	3.00% +7.5% YoY +6.6% QoQ	-0.93%	3.93% +6.0% YoY	3.07% +6.4% YoY	3.89% +5.7% YoY	Bottom 11.5% in tier
Efficiency Ratio ?	71.65% -11.5% YoY -8.0% QoQ	+6.36%	65.29% -4.5% YoY	81.63% +9.7% YoY	66.95% -4.1% YoY	29%
Delinquency Rate ?	0.03% +7.9% YoY -17.7% QoQ	-0.85%	0.89% +18.8% YoY	0.74% -28.2% YoY	0.95% +18.8% YoY	82%
Loan-to-Deposit Ratio ?	101.10% -0.1% YoY -1.6% QoQ	+24.46%	76.64% +0.8% YoY	82.02% -3.5% YoY	76.70% +0.9% YoY	Bottom 7.5% in tier
Non-Interest-Bearing Deposit Share ?	7.98% +147.2% YoY +105.9% QoQ	-14.04%	22.02% -1.0% YoY	16.85% -1.4% YoY	22.01% -1.2% YoY	Bottom 7.2% in tier
Nonperforming Asset Ratio ?	0.03% +7.2% YoY -20.0% QoQ	-0.61%	0.64% +19.7% YoY	0.57% -26.7% YoY	0.67% +19.3% YoY	82%
Tier 1 Capital Ratio ?	13.47% +13.6% YoY +26.6% QoQ	-2.36%	15.83% +1.5% YoY	20.47% +20.0% YoY	17.06% +0.8% YoY	52%
Non-Interest Income / Assets ?	0.03% +47.5% YoY -67.3% QoQ	-0.25%	0.28% +9.3% YoY	0.39% -6.4% YoY	0.32% +4.1% YoY	Bottom 8.0% in tier

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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

#109 of 664 • Top 16.3% 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: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Concerns (1)

Credit Quality Pressure

risk

#26 of 1308 • Bottom 1.9% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.03%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ

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 (2 metrics)

476

Nonperforming Asset Ratio

credit_quality

Value: 0.03%

Peer Median: 0.64%

#476 of 2664 Top 17.8% in $100M-$1B

480

Delinquency Rate

credit_quality

Value: 0.03%

Peer Median: 0.89%

#480 of 2654 Top 18.0% in $100M-$1B

Top Weaknesses (5 metrics)

2473

Non-Interest-Bearing Deposit Share

funding

Value: 7.98%

Peer Median: 22.02%

#2473 of 2664 Bottom 7.2% in $100M-$1B

2464

Loan-to-Deposit Ratio

liquidity

Value: 101.10%

Peer Median: 76.64%

#2464 of 2664 Bottom 7.5% in $100M-$1B

2453

Non-Interest Income / Assets

revenue_mix

Value: 0.03%

Peer Median: 0.28%

#2453 of 2664 Bottom 8.0% in $100M-$1B

2358

Net Interest Margin

profitability

Value: 3.00%

Peer Median: 3.93%

#2358 of 2664 Bottom 11.5% in $100M-$1B

2280

Return on Assets

profitability

Value: 0.55%

Peer Median: 1.27%

#2280 of 2664 Bottom 14.5% in $100M-$1B