# UNION SAVINGS BANK
ALBUQUERQUE, NM · FDIC certificate 32329 · asset band <$300M · latest filing 2013-09 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (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 | $61.2M | |
| Deposits | $50.0M | |
| Loans and leases | $42.3M | |
| Total equity | $7.1M | |
| Loans / deposits | 83.22% (p76 of band) | 69.26% |
| Liquid assets / assets | 28.47% (p35 of band) | |
| Uninsured deposits / deposits | 20.96% (p82 of band) | 11.87% |
| Brokered deposits | 19.00% | |
| Wholesale funding | 25.20% (p98 of band) | |
| FHLB advances / assets | 6.20% | |
| Tier 1 leverage | 11.23% (p63 of band) | 10.33% |
| Unrealized securities loss / equity | -3.33% (p28 of band) | -0.53% |
| AOCI / equity | -6.31% (p29 of band) | |
| ROA (annualized) | 0.72% (p47 of band) | 0.77% |
| Net interest margin | 4.20% (p79 of band) | 3.62% |
| Efficiency ratio | 75.18% (p53 of band) | |
| Noncurrent loans | 0.31% (p26 of band) | 1.08% |
| Net charge-offs (annualized) | 0.01% (p35 of band) | |
| Reserve coverage of noncurrent | 509.02% | |
| Real estate % of loans | 95% | |
| Construction % of loans | 80.33% (p92 of band) | |
| Auto loans | $215,000 (0.51% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -8.2% | |
| Employees | 12 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **deposits shrinking** (`shrink_deposits`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | brokered >10%, wholesale funding >15% |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 4 | deposits shrinking, uninsured deposits leaving |  |
| 2012-06 | 5 | assets shrinking |  |
| 2012-09 | 5 |  |  |
| 2012-12 | 5 | capital falling | uninsured deposits leaving |
| 2013-03 | 3 |  | deposits shrinking, capital falling |
| 2013-06 | 2 |  | assets shrinking |
| 2013-09 | 3 | deposits shrinking |  |

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

- 2022-06-30 [After 130 years: Union Bank still local, still growing | Local News - Vermont Community Newspaper Group](https://news.google.com/rss/articles/CBMi7gFBVV95cUxNQTFOWUJxRmRBazhwRG5Yc3BjSTNCRzYzSDlvbUg3RElfMC0ybmp5T1Zuc2dZaDRpS0VVOHg5TDgyUGZzeURRYmZYS1E5R0FfdVpwU2t3ZnV4ekdKbGFDWWk5MlJUN0pkdjA4bkg5OFJnSnIwNWV1RHFIWHJma2F3SUpwZFk0LXlyOE9sdGdSQ0l4d2hGNm1GWk1NT1pCcjdzVjAwRC1LVjY5ZThtVTdNb2wyWjRqbmdBSmhoTTlCaHN1N0dsTk9yaEZrRGE0MFNQN0ZsMkJYNFJuYTd2WmJvU2ltTTMybmYzd0RLZU5n?oc=5) · Vermont Community Newspaper Group
- 2022-12-03 [George Ezekiel Gilliland Obituary December 3, 2022 - French Funerals & Cremations](https://news.google.com/rss/articles/CBMiakFVX3lxTE9NakFVeHRNR3lBMVRmeVVsTkJ0OEJjSEhXX05zdFdRY09UekVFQ216LWQ5N091UTdReko5ZUdzMy1XVDM2YlY1ZU9FT0FhRXVjZXdVNG9TMWlBd0lZWF9Ebkx3U0ZWNEw2Q2c?oc=5) · French Funerals &amp; Cremations
- 2025-10-07 [Regional Banks, CUs: 3 Proven Strategies to Drive Growth - Resourceful Finance Pro](https://news.google.com/rss/articles/CBMifEFVX3lxTFAxR0V1c1lIRy1GXzQtSGNTNk9EM3N6NjM2M3FzT0p2b2hTUDc2aEw2NVR2Z0lUaDBUYXRTckJsanRGWXdsenQ1SnU3SEw3bldSSWhEcmNqLWdMMVNIM3R1Sks5a2FoZy0xTkpoUkVOaVJISDFDd01PR3IzM3I?oc=5) · Resourceful Finance Pro
- 2025-07-11 [The 20 top-performing banks with $2B to $10B of assets - American Banker](https://news.google.com/rss/articles/CBMilwFBVV95cUxPS0NEYTZFeXRleUhoXzViMmtzQVBWX2xhVVI3aXQwT2N4c056SGF0dzBKbG9uWjlPTXRBcEFNT19XN1JDQmZFZ2ZZLWd1cjVqNEJYOXhuQkJJVzBuY1RubG9HRy10M1o1N0M5THY4REtaaW40WVBQWHJfS2dfNHJFdFVwajVROVVKSEtWQ0YxS0Rjd2tZU2JF?oc=5) · American Banker
- 2017-08-17 [Heartland Data Breach Update: Thousands of Institutions Impacted - BankInfoSecurity](https://news.google.com/rss/articles/CBMiogFBVV95cUxNWVEyRWhPeVlpYXZaX19sN1VhVk5zZ1RJb2xUMlNFUmhWdnU2c1NxVXRJcVBxYTJXM0ptVjFreVRaQjJQNkdoQmFKWmQxU3ZNMU5ROGRsbVVreFdIeUhHMmEwSjdnaHVoaDd3ZmhWQmdDX1huU3UyeFlYakxsMW1DTEJEMmVsR3BLelpjd0xENjB1eFBqOXFFcFdtc1lqVE44YlE?oc=5) · BankInfoSecurity
- 2018-10-02 [Here are all of the banks that currently support Apple Pay - iMore](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ZY3JkQUdrNTNjWmMzVFk2QXBlWExaRnI3bjVsQ28wVlFRWUc5TEVWMm5TWkZ6RmtKTTNZRUhKbExyS25yb2pnRTc5VklBeW13Mzk0aU9MWVNGbHpiMDJUM1pfOVFvdFhCdGpNLUJQVG9ybXYzNlc4?oc=5) · iMore
- 2015-07-29 [Washington couple to host dance fundraiser for Susan B. Anthony Project - ctinsider.com](https://news.google.com/rss/articles/CBMinwFBVV95cUxOeTIxZjZpRzNuM2tma2lsa296a2JBWXVqZVVBbDdRTWYyQS1LNjNlZ2huRUd2MzluTGYwMnRPWFk3WUVzaDBxaHpxeTV4ZmtIZ1AzYXA0aFNSMVBkc2VLZFBmZTVKdWdRb1E4OHZQeGExOTVzWFdUSXlDMDNYS0ZiOE1yUmFBZjRfbHBfWHh3bDlLNlpfMnpERFZFeUZIYWM?oc=5) · ctinsider.com
- 2007-08-23 [Spillane: City youth draw vision of New Bedford in downtown mural - SouthCoastToday.com](https://news.google.com/rss/articles/CBMinwFBVV95cUxQeFNpMFNmNVhVSUJyYzFqMWgyaXp1TjJ5V28wT2tkUkhPVG1td0ZsOGphbzlvWnA0cWNBSXVWZzhIcmR2ZkNOZlEzQkJIeFBFUGtRZEZ2Ym9vRDhhMFJhY0lSMXpMZHh3RklsTFVEQllUVF9mcU5jNXpaTW50Y0FvSlVINWxJUXNDV1ZRVzA2d2w3UmFUaV9zN050M2ktZk0?oc=5) · SouthCoastToday.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=32329 (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/9.json (key "32329", 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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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide