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Peer Analysis
Performance Ratios (%) UBNK Peer Median Peer Average
ROAA 0.52 0.98 0.87
ROAE 5.33 7.53 6.70
Net Interest Margin 2.89 3.37 3.41
Efficiency Ratio 68.54 76.87 77.85
Loans / Deposits 100.81 103.54 108.24
Asset Quality Ratios (%)
NPAs / Assets NA 0.79 1.15
NCOs / Avg Loans 0.09 0.00 (0.01)
Reserves / Loans 0.92 0.94 1.00
Reserves / NPAs NA 90.19 111.56
Capital Ratios (%)
Tier 1 Capital NA 12.21 15.79
Tangible Equity / Tangible Assets 8.29 10.60 12.23
Total Equity / Total Assets 9.81 10.69 11.62
Market Ratios
Price / Earnings (x) 18.81 15.33 16.16
Price / Book (%) 100.14 122.81 124.59
Dividend Yield (%) 3.40 1.06 1.00
Data for trailing four quarters

United Financial Bancorp, Inc.'s peer group consists of the following: Georgetown Bancorp, Inc. (GTWN), Hometown Bancorp, Inc. (MHC) (HTWC), Magyar Bancorp, Inc. (MHC) (MGYR), Meridian Bancorp, Inc. (EBSB), Naugatuck Valley Financial Corporation (NVSL), NorthEast Community Bancorp, Inc. (MHC) (NECB), Sound Financial Bancorp, Inc. (SFBC), Waterstone Financial, Inc. (WSBF)

United Financial Bancorp, Inc.'s financial data is as of 6/30/2019.

Peer financial data is as of 6/30/2019 except for these companies:

Naugatuck Valley Financial Corporation's financial data is as of 9/30/2015.
Georgetown Bancorp, Inc.'s financial data is as of 3/31/2017.
Hometown Bancorp, Inc. (MHC)'s financial data is as of 6/30/2017.