E
Union County Savings Bank
Rating Date
June 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
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Net
Income
Weiss Ratings Union County Savings Bank
Elizabeth, NJ
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Rating E
Asset Quality Index 10.00
Capitalization Index 6.50
Liquidity Index 6.30
Profitability Index 0.00
Stability Index 2.50
Company Info Union County Savings Bank
Elizabeth, NJ
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FDIC Number 12013
Phone Number (908) 354-4600
Website www.unioncountysavings.com
Asset Quality Union County Savings Bank
Elizabeth, NJ
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1-Year Asset Growth 9.04%
5-Year Asset Growth -1.93%
5-Year Charge-Offs to Average Loans 0.29%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.03%
Non-Performing Loans to Capital 0.31%
Non-Performing Loans to Loans 0.50%
Balance Sheet Union County Savings Bank
Elizabeth, NJ
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Total Assets 1.58B
Total Deposits 1.45B
Capital and Reserves Union County Savings Bank
Elizabeth, NJ
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Capital -30.20M
Leverage Ratio 8.52
Loan Loss Reserves to Loans 0.65%
Risk-Based Capital Ratio 24.20
Liquidity Union County Savings Bank
Elizabeth, NJ
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Hot Money Ratio 58.05%
Liquidity Ratio 51.51%
Profitability Union County Savings Bank
Elizabeth, NJ
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5-Year Return on Average Assets -1.00%
Net Income -6.40M
Net Interest Spread -0.46%
Operating Profit to Average Assets -1.39%
Overhead Efficiency Ratio -203.16%
Return on Assets -1.39%
Return on Equity 84.77%