BlastPoint's Banking Scorecard

Union Savings and Loan Association

$100M-$1B Specialty: Mortgage IN FDIC cert 29933

Designations: ✓ Mutual

Connersville, IN

4 branches across IN

2664 banks in the $100M-$1B peer group nationally 60 in IN

Union 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

+ Net Interest Margin 0.25% above tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 13.5% in tier
- Capital Thin: Bottom 23.4% in tier
- Credit Risk Growth: Bottom 28.3% in tier
- NIB Deposit Bleed: Bottom 45.0% in tier
- ROA 0.34% below tier average
- Efficiency Ratio 4.32% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Total Assets ?	$261.6M +2.3% YoY +1.6% QoQ	-$124.4M	$386.1M +0.5% YoY	$2.5B +12.1% YoY	$6.2B +9.1% YoY	39%
Total Loans ?	$212.0M +3.0% YoY -1.7% QoQ	-$43.7M	$255.7M +1.1% YoY	$1.7B +14.1% YoY	$3.2B +10.8% YoY	51%
Total Deposits ?	$234.4M +1.4% YoY +1.5% QoQ	-$93.6M	$328.0M +0.1% YoY	$2.0B +11.8% YoY	$4.8B +8.2% YoY	42%
Return on Assets ?	0.93% +33.5% YoY -3.3% QoQ	-0.34%	1.27% +12.9% YoY	0.81% -6.6% YoY	1.23% +13.4% YoY	34%
Net Interest Margin ?	4.18% +11.4% YoY +3.2% QoQ	+0.25%	3.93% +6.0% YoY	3.60% +8.5% YoY	3.89% +5.7% YoY	67%
Efficiency Ratio ?	69.60% -6.4% YoY +0.9% QoQ	+4.32%	65.29% -4.5% YoY	105.71% +27.0% YoY	66.95% -4.1% YoY	33%
Delinquency Rate ?	1.16% +58.1% YoY +33.7% QoQ	+0.27%	0.89% +18.8% YoY	0.90% +15.9% YoY	0.95% +18.8% YoY	25%
Loan-to-Deposit Ratio ?	90.48% +1.6% YoY -3.1% QoQ	+13.84%	76.64% +0.8% YoY	81.10% +0.7% YoY	76.70% +0.9% YoY	23%
Non-Interest-Bearing Deposit Share ?	16.92% -17.4% YoY -3.4% QoQ	-5.10%	22.02% -1.0% YoY	17.15% -0.9% YoY	22.01% -1.2% YoY	32%
Nonperforming Asset Ratio ?	0.94% +46.1% YoY +26.1% QoQ	+0.30%	0.64% +19.7% YoY	0.67% +21.6% YoY	0.67% +19.3% YoY	21%
Tier 1 Capital Ratio ?	10.14% +7.4% YoY +1.9% QoQ	-5.70%	15.83% +1.5% YoY	16.04% +1.8% YoY	17.06% +0.8% YoY	Bottom 11.2% in tier
Non-Interest Income / Assets ?	0.13% -12.9% YoY -78.9% QoQ	-0.15%	0.28% +9.3% YoY	0.79% -14.5% YoY	0.32% +4.1% YoY	65%

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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 (4)

Liquidity Strain

risk

#88 of 643 • Bottom 13.5% 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: 90.48%

(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

Capital Thin

risk

#157 of 666 • Bottom 23.4% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 10.14%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Credit Risk Growth

risk

#276 of 973 • Bottom 28.3% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ | QoQ rank improving

NIB Deposit Bleed

decline

#90 of 198 • Bottom 45.0% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 16.92%

(Tier: 22.02%, National: 22.01%)

worse than tier avg

198 of 198 Community banks match · 238 nationally

↓ Shrinking -31 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 (0 metrics)

No strength rankings available

Top Weaknesses (4 metrics)

2366

Tier 1 Capital Ratio

capital

Value: 10.14%

Peer Median: 15.83%

#2366 of 2664 Bottom 11.2% in $100M-$1B

2099

Nonperforming Asset Ratio

credit_quality

Value: 0.94%

Peer Median: 0.64%

#2099 of 2664 Bottom 21.2% in $100M-$1B

2043

Loan-to-Deposit Ratio

liquidity

Value: 90.48%

Peer Median: 76.64%

#2043 of 2664 Bottom 23.3% in $100M-$1B

1993

Delinquency Rate

credit_quality

Value: 1.16%

Peer Median: 0.89%

#1993 of 2654 Bottom 24.9% in $100M-$1B