BlastPoint's Banking Scorecard
United Bank of Philadelphia
Designations: ✓ Community bank ✓ CDFI-certified ✓ Minority Depository Institution
Philadelphia, PA
2 branches across PA
United Bank of Philadelphia has 3 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.22% above tier average
- + Non-Interest-Bearing Deposit Share 15.57% above tier average
- + Non-Interest Income / Assets 0.38% below tier average
Key Concerns
Areas that may need attention
- - Return on Assets 4.64% below tier average
- - Efficiency Ratio 37.60% above tier average
- - Delinquency Rate 9.84% above tier average
- - Nonperforming Asset Ratio 5.32% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$49.8M
-7.3% YoY
-1.7% QoQ
|
-$12.5M |
$62.3M
-0.5% YoY
|
$3.1B
+7.0% YoY
|
$6.2B
+9.0% YoY
|
31% |
| Total Loans ? |
$27.1M
-9.5% YoY
+1.2% QoQ
|
-$7.2M |
$34.3M
-1.5% YoY
|
$2.2B
+7.7% YoY
|
$3.2B
+10.7% YoY
|
40% |
| Total Deposits ? |
$41.4M
-6.6% YoY
-0.8% QoQ
|
-$10.4M |
$51.8M
-0.6% YoY
|
$2.6B
+7.1% YoY
|
$4.8B
+8.0% YoY
|
32% |
| Return on Assets ? |
-3.78%
-400.8% YoY
-504.2% QoQ
|
-4.64% |
0.86%
-3.6% YoY
|
1.46%
+26.2% YoY
|
1.24%
+13.1% YoY
|
Bottom 2.4% in tier |
| Net Interest Margin ? |
5.09%
-14.3% YoY
-13.0% QoQ
|
+1.22% |
3.87%
+2.7% YoY
|
3.32%
+8.7% YoY
|
3.89%
+5.7% YoY
|
Top 8.8% in tier |
| Efficiency Ratio ? |
125.23%
+11.5% YoY
+13.2% QoQ
|
+37.60% |
87.63%
+2.3% YoY
|
69.09%
-7.7% YoY
|
66.84%
-3.8% YoY
|
Bottom 6.5% in tier |
| Delinquency Rate ? |
11.20%
+5.0% YoY
+19.4% QoQ
|
+9.84% |
1.36%
+33.7% YoY
|
0.92%
+20.5% YoY
|
0.95%
+18.8% YoY
|
Bottom 1.2% in tier |
| Loan-to-Deposit Ratio ? |
65.43%
-3.1% YoY
+2.0% QoQ
|
+1.32% |
64.11%
-0.9% YoY
|
83.35%
-0.2% YoY
|
76.69%
+0.9% YoY
|
50% |
| Non-Interest-Bearing Deposit Share ? |
39.36%
+0.6% YoY
+1.7% QoQ
|
+15.57% |
23.79%
+0.5% YoY
|
17.71%
-0.1% YoY
|
22.01%
-1.1% YoY
|
Top 9.3% in tier |
| Nonperforming Asset Ratio ? |
6.09%
-7.0% YoY
-11.9% QoQ
|
+5.32% |
0.77%
+28.7% YoY
|
0.67%
+14.7% YoY
|
0.66%
+19.3% YoY
|
Bottom 1.5% in tier |
| Tier 1 Capital Ratio ? |
36.96%
+5.3% YoY
+6.5% QoQ
|
+10.18% |
26.77%
+2.0% YoY
|
20.10%
+0.3% YoY
|
17.06%
+0.8% YoY
|
Top 12.7% in tier |
| Non-Interest Income / Assets ? |
0.29%
+556.2% YoY
-69.1% QoQ
|
-0.38% |
0.67%
+1.6% YoY
|
0.69%
+18.0% YoY
|
0.32%
+4.0% YoY
|
Top 8.6% in tier |
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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.