BlastPoint's Banking Scorecard
The Union Bank
Beulah, ND
6 branches across ND
The Union Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 16.2% in tier
- + Net Interest Margin 0.36% above tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 42.8% in tier
- - Efficiency Ratio 2.12% above tier average
- - Delinquency Rate 0.51% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$325.4M
+6.6% YoY
-0.5% QoQ
|
-$60.6M |
$386.1M
+0.5% YoY
|
$1.1B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
50% |
| Total Loans ? |
$194.2M
+5.7% YoY
-3.8% QoQ
|
-$61.5M |
$255.7M
+1.1% YoY
|
$779.7M
+5.6% YoY
|
$3.2B
+10.8% YoY
|
47% |
| Total Deposits ? |
$294.2M
+6.1% YoY
+6.1% QoQ
|
-$33.8M |
$328.0M
+0.1% YoY
|
$930.6M
+2.8% YoY
|
$4.8B
+8.2% YoY
|
53% |
| Return on Assets ? |
1.73%
+119.5% YoY
+67.9% QoQ
|
+0.46% |
1.27%
+12.9% YoY
|
1.38%
+15.2% YoY
|
1.23%
+13.4% YoY
|
79% |
| Net Interest Margin ? |
4.29%
+11.1% YoY
+3.0% QoQ
|
+0.36% |
3.93%
+6.0% YoY
|
3.69%
+5.3% YoY
|
3.89%
+5.7% YoY
|
72% |
| Efficiency Ratio ? |
67.41%
-4.4% YoY
+3.5% QoQ
|
+2.12% |
65.29%
-4.5% YoY
|
60.25%
-5.8% YoY
|
66.95%
-4.1% YoY
|
38% |
| Delinquency Rate ? |
1.39%
-51.3% YoY
-20.8% QoQ
|
+0.51% |
0.89%
+18.8% YoY
|
0.92%
+20.6% YoY
|
0.95%
+18.8% YoY
|
21% |
| Loan-to-Deposit Ratio ? |
66.01%
-0.4% YoY
-9.3% QoQ
|
-10.63% |
76.64%
+0.8% YoY
|
69.27%
+0.4% YoY
|
76.70%
+0.9% YoY
|
74% |
| Non-Interest-Bearing Deposit Share ? |
18.02%
+0.7% YoY
-7.9% QoQ
|
-4.00% |
22.02%
-1.0% YoY
|
22.07%
+2.0% YoY
|
22.01%
-1.2% YoY
|
36% |
| Nonperforming Asset Ratio ? |
0.83%
-51.7% YoY
-23.4% QoQ
|
+0.19% |
0.64%
+19.7% YoY
|
0.56%
+12.7% YoY
|
0.67%
+19.3% YoY
|
25% |
| Tier 1 Capital Ratio ? |
9.58%
+2.6% YoY
+1.6% QoQ
|
-6.25% |
15.83%
+1.5% YoY
|
13.00%
+1.5% YoY
|
17.06%
+0.8% YoY
|
Bottom 5.3% in tier |
| Non-Interest Income / Assets ? |
0.05%
-17.9% YoY
-75.7% QoQ
|
-0.23% |
0.28%
+9.3% YoY
|
0.12%
+7.9% YoY
|
0.32%
+4.1% YoY
|
17% |
Get Full Access to The Union Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (1)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.