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UniBank for Savings
Whitinsville, MA·FDIC Cert #90290·Charter: STATE·Est. 18700603.0·HC: UFS BCORP
Total Assets
$2.7B
Q4 2025
Return on Assets
0.81%
-0.00%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
62.93%
Peer avg: 58.5%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
52
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.81%-0.00
ROE
10.81%-0.25
Efficiency
62.93%-0.67
Equity/Assets
0.00%+0.00
NPL Ratio
0.76%+0.19
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
97.97%+6.40
Charge-offs
0.09%+0.10
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.7 | 0.8 | 0.7 | 0.7 | 0.6 | 0.8 | 0.8 | 0.8 |
| ROE | 10.0 | 11.0 | 10.3 | 10.1 | 8.5 | 10.5 | 11.1 | 10.8 |
| Efficiency | 68.5 | 66.8 | 68.1 | 68.6 | 68.8 | 63.5 | 63.6 | 62.9 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.4 | 0.2 | 0.2 | 0.2 | 0.2 | 0.5 | 0.6 | 0.8 |
| Charge-offs | -0.1 | 0.0 | -0.0 | -0.0 | 0.0 | -0.0 | -0.0 | 0.1 |
| Loan/Deposit | 84.1 | 80.1 | 88.8 | 93.8 | 89.9 | 83.5 | 91.6 | 98.0 |
Balance Sheet
Total Assets$2.7B
Total Deposits$2.1B
Total Loans$2.1B
Total Equity$220.7M
Profitability
ROA0.81%
ROE10.81%
Efficiency Ratio62.93%
Net Income$22.2M
Risk & Asset Quality
NPL Ratio0.76%
Charge-off Rate0.09%
Loan/Deposit97.97%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans