Union County Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Union County Savings Bank of Elizabeth, NJ against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | -1.35% | 1.46% | -2.81% | 1st bottom |
| ROAE | 111.88% | 12.66% | +99.22% | 100th top |
| Net Interest Margin | -0.28% | 3.85% | -4.13% | 0th bottom |
| Efficiency Ratio | -334.39% | 57.63% | -392.02% | 100th top |
| PPNR / Avg Assets | -1.16% | 1.88% | -3.04% | 1st bottom |
| Yield on Earning Assets | 2.79% | 5.72% | -2.93% | 0th bottom |
| Cost of Funds | 3.44% | 2.02% | +1.42% | 3rd bottom |
| Net Interest Spread | -0.72% | 3.18% | -3.90% | 0th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.37% | 1.00% | +0.37% | 21st bottom |
| NPA / Total Assets | 0.29% | 0.76% | -0.47% | 67th above |
| NCO / Avg Loans | 0.00% | 0.43% | -0.43% | 78th top |
| ACL / Total Loans | 0.65% | 1.31% | -0.66% | 7th bottom |
| ACL / NPLs (Coverage) | 47.46% | 543.64% | -496.18% | 8th bottom |
| Texas Ratio | -19.68% | 7.40% | -27.08% | 100th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 20.79% | 17.33% | +3.46% | 93rd top |
| Tier 1 Ratio | 20.79% | 17.37% | +3.42% | 93rd top |
| Total Capital Ratio | 21.13% | 18.42% | +2.71% | 92nd top |
| Leverage Ratio | 7.77% | 11.44% | -3.67% | 2nd bottom |
| Equity / Assets | -1.59% | 11.34% | -12.93% | 0th bottom |
| TCE / Tangible Assets | -1.59% | 10.51% | -12.10% | 0th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 22.86% | 86.99% | -64.13% | 99th top |
| Core Deposit Ratio | 67.37% | 85.56% | -18.19% | 7th bottom |
| Uninsured Deposit Ratio | 15.65% | 33.13% | -17.48% | 90th top |
| Wholesale Funding Ratio | 10.14% | 5.70% | +4.44% | 15th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -2.40% | 9.69% | -12.09% | 8th bottom |
| Loan Growth (Y/Y) | 8.13% | 8.06% | +0.07% | 64th above |
| Deposit Growth (Y/Y) | -2.60% | 7.88% | -10.48% | 9th bottom |
See Union County Savings Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Union County Savings Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Union County Savings Bank profile, how to read a UBPR, or how this data updates.