Union Savings and Loan Association: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.23 percentage points to 4.34%. Union Savings and Loan Association ranks 10th of 87 Indiana banks on net interest margin, in the upper half at 4.34% (Q2 2026). Union Savings and Loan Association reported 4.34% on net interest margin for Q2 2026, 0.39 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.38% |
| Yield on loans | 6.94% |
| Yield on securities | 3.14% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.13% |
| Cost of interest-bearing deposits | 2.60% |
| Cost of interest-bearing liabilities | 2.60% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.34% |
| Yield to cost spread | 3.78% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.7M |
| Total interest expense | $1.3M |
| Interest expense on deposits | $1.3M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.15% | 1.86% | 3.46% | 5.80% | 1.33% |
| Q4 2023 | 5.35% | 2.10% | 3.43% | 6.01% | 1.06% |
| Q1 2024 | 5.55% | 2.19% | 3.55% | 6.16% | 1.33% |
| Q2 2024 | 5.74% | 2.37% | 3.57% | 6.33% | 1.99% |
| Q3 2024 | 5.94% | 2.50% | 3.62% | 6.48% | 1.47% |
| Q4 2024 | 6.05% | 2.48% | 3.73% | 6.59% | 1.39% |
| Q1 2025 | 5.93% | 2.42% | 3.69% | 6.48% | 1.48% |
| Q2 2025 | 6.16% | 2.28% | 4.00% | 6.65% | 1.41% |
| Q3 2025 | 6.30% | 2.26% | 4.09% | 6.79% | 1.90% |
| Q4 2025 | 6.27% | 2.23% | 4.15% | 6.71% | 2.84% |
| Q1 2026 | 6.11% | 2.05% | 4.11% | 6.58% | 2.88% |
| Q2 2026 | 6.38% | 2.13% | 4.34% | 6.94% | 3.14% |
Union Savings and Loan Association yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Union Savings and Loan Association, freeSource: Call Report Schedules RI and RC-K, 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)