# UNION BLDG&L SB
WEST BRIDGEWATER, PA · FDIC certificate 29967 · asset band <$300M · latest filing 2019-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 9 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $31.0M | |
| Deposits | $20.7M | |
| Loans and leases | $29.7M | |
| Total equity | $8.0M | |
| Loans / deposits | 142.59% (p100 of band) | 76.50% |
| Liquid assets / assets | 1.11% (p0 of band) | |
| Uninsured deposits / deposits | 0.84% (p1 of band) | 15.89% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 7.09% (p76 of band) | |
| FHLB advances / assets | 7.09% | |
| Tier 1 leverage | 25.67% (p96 of band) | 11.35% |
| Unrealized securities loss / equity | 0.00% (p69 of band) | -0.33% |
| AOCI / equity | 0.00% (p8 of band) | |
| ROA (annualized) | -1.58% (p2 of band) | 0.99% |
| Net interest margin | 4.02% (p64 of band) | 3.80% |
| Efficiency ratio | 120.32% (p98 of band) | |
| Noncurrent loans | 0.90% (p62 of band) | 0.56% |
| Net charge-offs (annualized) | 1.24% (p99 of band) | |
| Reserve coverage of noncurrent | 66.04% | |
| Real estate % of loans | 100% | |
| Construction % of loans | 7.35% (p34 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -15.8% | |
| Employees | 7 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **liquid assets <10%** (`liq_thin`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 2 | uninsured deposits leaving |  |
| 2012-09 | 1 |  | uninsured deposits leaving |
| 2012-12 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2013-03 | 3 |  | uninsured deposits leaving |
| 2013-06 | 4 | uninsured deposits leaving |  |
| 2013-09 | 4 |  |  |
| 2013-12 | 4 |  |  |
| 2014-03 | 5 | loans exceed deposits |  |
| 2014-06 | 5 |  |  |
| 2014-09 | 5 |  |  |
| 2014-12 | 5 |  |  |
| 2015-03 | 6 | noncurrent p90 |  |
| 2015-06 | 5 |  | assets shrinking |
| 2015-09 | 6 | liquid assets <10% |  |
| 2015-12 | 5 |  | uninsured deposits leaving |
| 2016-03 | 4 |  | noncurrent p90 |
| 2016-06 | 5 | noncurrent p90 |  |
| 2016-09 | 3 |  | deposits shrinking, noncurrent p90 |
| 2016-12 | 5 | noncurrent p90, uninsured deposits leaving |  |
| 2017-03 | 5 | charge-offs p90 | noncurrent p90 |
| 2017-06 | 6 | noncurrent p90 |  |
| 2017-09 | 5 |  | uninsured deposits leaving |
| 2017-12 | 7 | deposits shrinking, assets shrinking |  |
| 2018-03 | 4 |  | charge-offs p90, noncurrent p90, assets shrinking |
| 2018-06 | 3 |  | deposits shrinking |
| 2018-09 | 3 |  |  |
| 2018-12 | 4 | deposits shrinking |  |
| 2019-03 | 9 | losing money, expense ratio p90, charge-offs p90, assets shrinking, uninsured deposits leaving |  |

## In the news (Google News, unfiltered, newest first; check the city)

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=29967 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/15.json (key "29967", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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