🏦Bank Scorer

UNIBANK FOR SAVINGS

WHITINSVILLE, MA · Supervised by FDIC

Est. 1870FDIC #90,290RSSD: FDIC-90290
Part ofUFS BCORP→ View all charters
Satisfactory Same

Current rating · Exam: June 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.96%

Institution Profile

FDIC BankFind

Address

49 Church St, WHITINSVILLE, MA

County

Worcester County

Established

June 3, 1870

Total Assets

$2.9B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

June 1, 2024

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Jun 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$2.9B

Total Deposits

$2.4B

Net Loans

$2.1B

Net Income

$7M

ROA

0.96%

ROE

12.05%

Risk-Based Capital

15.11%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate13.99%Peer avg: 9.91%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

15

Branch Deposits

$2.5B

1-Year Change

+1

5-year net change: +1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202467964.95%13.99%
202368165.49%15.57%
20221,09771.1%13.86%
202195380.48%4.93%
202099776.23%3.61%
201964579.22%5.12%
201862479.01%7.53%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

11 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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