C
Union Bank
Rating Date
April 2025
Risk Based
Capital Ratio
12.51
Leverage
Ratio
7.31
Return On
Assets
0.64%
Total
Assets
1.53B
Capital
82.44M
Total
Deposits
1.17B
Net
Income
9.67M
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Weiss Ratings Union Bank
Morrisville, VT 		Click to
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Rating C
Asset Quality Index 8.00
Capitalization Index 5.30
Liquidity Index 3.20
Profitability Index 1.70
Stability Index 4.70
Company Info Union Bank
Morrisville, VT 		Click to
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FDIC Number 14158
Phone Number (802) 888-6600
Website www.ublocal.com
Asset Quality Union Bank
Morrisville, VT 		Click to
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1-Year Asset Growth 4.03%
5-Year Asset Growth 15.02%
5-Year Charge-Offs to Average Loans 0.01%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.35%
Non-Performing Loans to Capital 3.06%
Non-Performing Loans to Loans 0.46%
Balance Sheet Union Bank
Morrisville, VT 		Click to
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Total Assets 1.53B
Total Deposits 1.17B
Capital and Reserves Union Bank
Morrisville, VT 		Click to
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Capital 82.44M
Leverage Ratio 7.31
Loan Loss Reserves to Loans 0.66%
Risk-Based Capital Ratio 12.51
Liquidity Union Bank
Morrisville, VT 		Click to
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Hot Money Ratio 12.31%
Liquidity Ratio 11.89%
Profitability Union Bank
Morrisville, VT 		Click to
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5-Year Return on Average Assets 1.17%
Net Income 9.67M
Net Interest Spread 2.83%
Operating Profit to Average Assets 0.68%
Overhead Efficiency Ratio 75.28%
Return on Assets 0.64%
Return on Equity 11.71%