$1.49B
−5.5%y/y
Percentile by value48th percentileby value
FDIC
ASSETUC
Union County Savings Bank
Elizabeth, New JerseyFDIC Cert #12013
STATEEstablished 18834 branches
Holding company: Not reportedRegulator: FDIC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportUnion County Savings Bank reported $1.49B in total assets. Deposits declined 7.18% over the prior year.
Return on assets was −1.37%, compared with an asset-peer median of 1.16%. The leverage ratio was 8.10%.
- Why is Efficiency Ratio below asset peers?
- Why is Return on Assets below asset peers?
- Why is Deposit Growth, Year over Year below asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$1.35B
−7.2%y/y
Percentile by value55th percentileby value
FDIC
DEP$300M
+5.4%y/y
Percentile by value2nd percentileby value
FDIC
LNLSNET−1.37%
+23 bpsy/y
Peer standing1st percentile
FDIC
NETINC + ROA−243.72%
−4,056 bpsy/y
Peer standing100th percentile
FDIC
NONIX + NIM + NONII + EEFFR8.10%
−43 bpsy/y
Peer standing3rd percentile
FDIC
RBC1AAJPercentiles compare this bank with 629 banks from $1 billion to $3 billion.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $1.9B | $1.63B |
| Q3 2021 | $1.9B | $1.63B |
| Q4 2021 | $1.91B | $1.64B |
| Q1 2022 | $1.8B | $1.64B |
| Q2 2022 | $1.62B | $1.58B |
| Q3 2022 | $1.52B | $1.55B |
| Q4 2022 | $1.55B | $1.57B |
| Q1 2023 | $1.52B | $1.53B |
| Q2 2023 | $1.48B | $1.5B |
| Q3 2023 | $1.4B | $1.46B |
| Q4 2023 | $1.43B | $1.45B |
| Q1 2024 | $1.45B | $1.48B |
| Q2 2024 | $1.46B | $1.5B |
| Q3 2024 | $1.67B | $1.52B |
| Q4 2024 | $1.62B | $1.52B |
| Q1 2025 | $1.58B | $1.45B |
| Q2 2025 | $1.52B | $1.39B |
| Q3 2025 | $1.5B | $1.36B |
| Q4 2025 | $1.5B | $1.36B |
| Q1 2026 | $1.49B | $1.35B |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $66.3M |
| Investor CRE | $29.7M |
| Multifamily | $11M |
| Construction | $7.08M |
| 1–4 family | $174M |
| C&I | $10.7M |
| Agriculture | $0 |
| Other | $3.36M |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA−1.37%1st percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.47%Median 1.16%90th 2.03%Observations 629
ROE
FDIC
NETINC + ROE170.04%100th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 4.37%Median 11.64%90th 19.98%Observations 629
NIM
FDIC
NIM + NIMY−0.41%0th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.81%Median 3.64%90th 4.58%Observations 630
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR−243.72%100th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 45.28%Median 61.40%90th 80.08%Observations 629
Deposits YoY
FDIC
DEP−7.18%2nd percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.50%Median +4.71%90th +17.76%Observations 624
Loans YoY
FDIC
LNLSNET+5.45%48th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −1.84%Median +5.89%90th +17.13%Observations 623
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.82%33rd percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.06%Median 0.52%90th 1.91%Observations 623
Leverage
FDIC
RBC1AAJ8.10%3rd percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.85%Median 10.50%90th 14.46%Observations 630
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.92%5th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.77%Median 2.61%90th 3.65%Observations 624
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC35%5th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 88%Median 225%90th 349%Observations 464
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA−1.37%4th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th −0.45%Median 0.67%90th 1.80%Observations 50
ROE
FDIC
NETINC + ROE170.04%100th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th −2.28%Median 6.77%90th 14.19%Observations 50
NIM
FDIC
NIM + NIMY−0.41%0th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.19%Median 3.15%90th 4.11%Observations 50
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR−243.72%100th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 46.22%Median 70.75%90th 107.11%Observations 50
Deposits YoY
FDIC
DEP−7.18%0th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −3.28%Median +2.65%90th +10.75%Observations 48
Loans YoY
FDIC
LNLSNET+5.45%62nd percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.40%Median +4.03%90th +17.03%Observations 48
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.82%23rd percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.44%90th 1.35%Observations 49
Leverage
FDIC
RBC1AAJ8.10%4th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.60%Median 10.50%90th 16.09%Observations 50
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.92%4th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.19%Median 2.97%90th 3.82%Observations 49
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC35%16th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 15%Median 254%90th 435%Observations 38
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA−1.37%0th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th −0.96%Median 0.96%90th 2.08%Observations 11
ROE
FDIC
NETINC + ROE170.04%100th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th −6.24%Median 9.69%90th 29.93%Observations 11
NIM
FDIC
NIM + NIMY−0.41%0th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 0.85%Median 3.03%90th 3.76%Observations 11
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR−243.72%100th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 30.83%Median 64.81%90th 132.33%Observations 11
Deposits YoY
FDIC
DEP−7.18%0th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −3.20%Median +2.48%90th +10.77%Observations 11
Loans YoY
FDIC
LNLSNET+5.45%60th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −1.83%Median +4.52%90th +10.02%Observations 11
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.82%10th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.02%Median 0.44%90th 0.82%Observations 11
Leverage
FDIC
RBC1AAJ8.10%10th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.10%Median 11.15%90th 14.26%Observations 11
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.92%10th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 2.14%Median 3.14%90th 3.92%Observations 11
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC35%13th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 28%Median 289%90th 415%Observations 9
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
- Domestic offices
- 4 branches
- Headquarters
- Elizabeth, NJ
FDIC
OFFDOMOpen the New Jersey dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data