Union Savings and Loan Association: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 28.59 percentage points in Q2 2026, from 98.78% to 127.36%. It was the largest change from Q1 2026 among the key lines here. Within Indiana, Union Savings and Loan Association is 37th of 87 on return on assets, 1.28% as of Q2 2026, above the middle of the field. At 1.28%, Union Savings and Loan Association's return on assets is close to the 1.25% median for banks in the $100M-1B asset tier (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.45% |
| Equity capital to assets | 10.24% |
| Tangible equity to tangible assets | 10.24% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.89% |
| Non-performing assets ratio | 0.81% |
| Net charge-off ratio | 0.18% |
| Texas ratio | 7.23% |
| Allowance for credit losses to loans | 1.13% |
| Reserve coverage of non-performing loans | 127.36% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.28% |
| Return on equity | 12.57% |
| Net interest margin | 4.34% |
| Efficiency ratio | 62.51% |
| Yield on earning assets | 6.38% |
| Cost of funds | 2.13% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.70% |
| Core deposits to total deposits | 92.08% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.26% |
| Securities to assets | 7.84% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 9.11% | 0.72% | 3.46% | 0.52% | 0.01% |
| Q4 2023 | 9.18% | 0.64% | 3.43% | 1.01% | 0.02% |
| Q1 2024 | 9.10% | 0.73% | 3.55% | 0.82% | 0.08% |
| Q2 2024 | 9.23% | 0.75% | 3.57% | 0.78% | -0.00% |
| Q3 2024 | 9.48% | 0.70% | 3.62% | 0.79% | 0.00% |
| Q4 2024 | 9.44% | 0.79% | 3.73% | 0.75% | -0.00% |
| Q1 2025 | 9.43% | 0.70% | 3.69% | 0.74% | 0.10% |
| Q2 2025 | 9.81% | 0.95% | 4.00% | 0.76% | 0.15% |
| Q3 2025 | 9.81% | 1.08% | 4.09% | 0.73% | -0.05% |
| Q4 2025 | 9.95% | 1.12% | 4.15% | 0.86% | 0.12% |
| Q1 2026 | 10.14% | 0.93% | 4.11% | 1.14% | 0.02% |
| Q2 2026 | 10.45% | 1.28% | 4.34% | 0.89% | 0.18% |
Union Savings and Loan Association vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Union Savings and Loan Association, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)