Bank Comparison
Union Bank vs Meredith Village Savings Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 16
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Union Bank | Meredith Village Savings Bank |
|---|---|---|
| CET1 Ratio | 12.03% | 15.10% |
| Tier 1 Capital Ratio | 12.03% | 15.10% |
| Total Capital Ratio | 12.94% | 16.35% |
| Tier 1 Leverage Ratio | 7.39% | 10.00% |
| Equity / Assets | 5.93% | 9.58% |
Profitability
| Metric | Union Bank | Meredith Village Savings Bank |
|---|---|---|
| Return on Assets (ROA) | 0.78% | 0.56% |
| Return on Equity (ROE) | 13.40% | 5.90% |
| Net Interest Margin (NIM) | 2.99% | 3.23% |
| Yield on Earning Assets | 5.04% | 5.00% |
| Cost of Funds | 2.14% | 1.93% |
Asset quality
| Metric | Union Bank | Meredith Village Savings Bank |
|---|---|---|
| Texas Ratio | 16.25% | 3.22% |
| Non-Performing Loan Ratio | 1.40% | 0.38% |
| Non-Performing Asset Ratio | 1.02% | 0.33% |
| Net Charge-Off Ratio | 0.00% | 0.08% |
| ACL / Loans | 0.68% | 0.92% |
Balance sheet
| Metric | Union Bank | Meredith Village Savings Bank |
|---|---|---|
| Total Assets | $1,624M | $1,622M |
| Total Deposits | $1,204M | $1,328M |
| Total Loans | $1,183M | $1,422M |
| Total Equity | $96,397K | $155,434K |
| Net Income (quarter) | $3,240K | $2,278K |
Liquidity & funding
| Metric | Union Bank | Meredith Village Savings Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 98.23% | 107.02% |
| Core Deposit Ratio | 94.32% | 93.47% |
| Uninsured Deposit Ratio | 34.82% | 24.00% |
Identity
| Metric | Union Bank | Meredith Village Savings Bank |
|---|---|---|
| Headquarters City | MORRISVILLE | MEREDITH |
| Headquarters State | VT | NH |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 21 | 18 |
| Employees (FTE) | 194 | 229 |
| Established | Jan. 1, 1891, midnight | Jan. 1, 1869, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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