Union Federal Savings and Loan Association: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Union Federal Savings and Loan Association of Kewanee, IL against its peer group of 2672 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 | 0.40% | 1.35% | -0.95% | 10th bottom |
| ROAE | 2.44% | 12.06% | -9.62% | 8th bottom |
| Net Interest Margin | 3.21% | 3.90% | -0.69% | 16th bottom |
| Efficiency Ratio | 87.49% | 63.14% | +24.35% | 8th bottom |
| PPNR / Avg Assets | 0.42% | 1.64% | -1.22% | 7th bottom |
| Yield on Earning Assets | 4.58% | 5.65% | -1.07% | 10th bottom |
| Cost of Funds | 1.58% | 1.85% | -0.27% | 64th above |
| Net Interest Spread | 2.93% | 3.35% | -0.42% | 30th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.53% | 0.92% | -0.39% | 44th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.40% | 0.67% | -0.27% | 44th below |
| NCO / Avg Loans | 0.67% | 0.14% | +0.53% | 5th bottom |
| ACL / Total Loans | 1.16% | 1.28% | -0.12% | 45th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 220.89% | 1645.74% | -1424.85% | 51st above |
| Texas Ratio | 2.34% | 7.15% | -4.81% | 60th above |
| Provision / NCO | 2.15% | 1189.92% | -1187.77% | 20th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 16.53% | 12.46% | +4.07% | 92nd top |
| Equity / Assets | 16.28% | 11.67% | +4.61% | 92nd top |
| TCE / Tangible Assets | 16.28% | 11.40% | +4.88% | 93rd top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 91.90% | 78.64% | +13.26% | 24th bottom |
| Core Deposit Ratio | 95.54% | 87.09% | +8.45% | 87th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.00% | 6.48% | -6.48% | 19th bottom |
| Loan Growth (Y/Y) | -9.69% | 7.65% | -17.34% | 3rd bottom |
| Deposit Growth (Y/Y) | -0.29% | 6.03% | -6.32% | 22nd bottom |
See Union Federal Savings and Loan Association's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Union Federal Savings and Loan Association, 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 Federal Savings and Loan Association profile, how to read a UBPR, or how this data updates.