Union Savings and Loan Association: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Loans and leases to core deposits: 1.46 percentage points lower than in Q1 2026, at 98.50%. Union Savings and Loan Association ranks 30th of 87 Indiana banks on loan-to-deposit ratio, in the upper half at 90.70% (Q2 2026). Union Savings and Loan Association reported 90.70% on loan-to-deposit ratio for Q2 2026, 9.75 points above the 80.94% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $19.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $39.9M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.70% |
| Net loans and leases to deposits | 89.67% |
| Loans and leases to core deposits | 98.50% |
| Core deposits to total deposits | 92.08% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 91.64% | 92.37% | $0 | $5.5M |
| Q4 2023 | 90.75% | 91.67% | $0 | $2.0M |
| Q1 2024 | 88.26% | 92.23% | $0 | $2.0M |
| Q2 2024 | 92.77% | 91.79% | $0 | $4.0M |
| Q3 2024 | 92.88% | 91.37% | $0 | $0 |
| Q4 2024 | 91.05% | 91.55% | $0 | $0 |
| Q1 2025 | 90.04% | 92.16% | $0 | $0 |
| Q2 2025 | 93.12% | 92.33% | $0 | $0 |
| Q3 2025 | 93.24% | 91.27% | $0 | $0 |
| Q4 2025 | 94.44% | 91.92% | $0 | $0 |
| Q1 2026 | 91.51% | 91.55% | $0 | $0 |
| Q2 2026 | 90.70% | 92.08% | $0 | $0 |
Union Savings and Loan Association liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Union Savings and Loan Association, freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Union Savings and Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29933) · FFIEC NIC profile (RSSD 677970)