Union Federal Savings and Loan Association: how it compares with its peers
Against 128 IL banks with half to twice its assets, Union Federal Savings and Loan Association's strongest measure in Q2 2026 is net interest margin (3.28% vs. a 3.78% peer median). Its weakest relative measure is return on assets (0.25% vs. 1.14%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.25% | 1.14% | Bottom third Ahead of 6% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.28% | 3.78% | Bottom third Ahead of 27% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 90.61% | 65.25% | Bottom third Ahead of 8% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.4M | $6.3M | Bottom third Ahead of 13% of peers |
| Loans to deposits Net loans and leases over total deposits. | 90.83% | 70.50% | Context |
What it means for lending operations
Its efficiency ratio of 90.61% is above the 65.25% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- National Bank of St. Anne St. Anne, IL · $143M
- Du Quoin State Bank Du Quoin, IL · $148M
- Heritage Bank of Schaumburg Schaumburg, IL · $150M
- The First National Bank of Litchfield Litchfield, IL · $150M
- Federated Bank Onarga, IL · $140M
- First Security Bank Mackinaw, IL · $151M
Questions about Union Federal Savings and Loan Association
How big is Union Federal Savings and Loan Association?
Union Federal Savings and Loan Association, established in 1890, is headquartered in Kewanee, IL. It reported $146M in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is Union Federal Savings and Loan Association's return on assets?
0.25% annualized in Q2 2026, against a 1.14% median for 128 IL banks with half to twice its assets, ahead of 6% of them.
What is Union Federal Savings and Loan Association's efficiency ratio?
90.61% in Q2 2026: it spent about 91 cents in noninterest expense for each dollar of revenue. The peer median is 65.25%, and lower is better.
Is Union Federal Savings and Loan Association growing its loans?
Net loans shrank 9.7% over the year to Q2 2026, while deposits shrank 0.3%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Illinois bank ranked.