Union 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 Savings and Loan Association of Connersville, IN 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 Behind the peer average, ahead of the median peer. | 1.28% | 1.34% | -0.06% | 51st above |
| ROAE Behind the peer average, ahead of the median peer. | 12.57% | 13.31% | -0.74% | 51st above |
| Net Interest Margin | 4.34% | 3.93% | +0.41% | 72nd above |
| Efficiency Ratio | 62.51% | 61.14% | +1.37% | 47th below |
| PPNR / Avg Assets | 1.81% | 1.68% | +0.13% | 63rd above |
| Yield on Earning Assets | 6.38% | 5.67% | +0.71% | 83rd top |
| Cost of Funds | 2.13% | 1.88% | +0.25% | 30th below |
| Net Interest Spread | 3.78% | 3.32% | +0.46% | 74th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.89% | 0.94% | -0.05% | 31st below |
| NPA / Total Assets | 0.81% | 0.70% | +0.11% | 26th below |
| NCO / Avg Loans | 0.18% | 0.16% | +0.02% | 13th bottom |
| ACL / Total Loans | 1.13% | 1.28% | -0.15% | 42nd below |
| ACL / NPLs (Coverage) | 127.36% | 1539.06% | -1411.70% | 35th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 7.23% | 7.33% | -0.10% | 30th below |
| Provision / NCO | 138.89% | 1395.97% | -1257.08% | 48th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.45% | 12.14% | -1.69% | 40th below |
| Equity / Assets | 10.24% | 11.37% | -1.13% | 48th below |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.24% | 11.09% | -0.85% | 53rd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 90.70% | 80.63% | +10.07% | 27th below |
| Core Deposit Ratio | 92.08% | 86.86% | +5.22% | 68th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.19% | 6.85% | -1.66% | 56th above |
| Loan Growth (Y/Y) | 1.77% | 7.90% | -6.13% | 30th below |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.48% | 6.29% | -1.81% | 54th above |
See Union 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 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 Savings and Loan Association profile, how to read a UBPR, or how this data updates.