Union County Savings Bank is a si headquartered in Elizabeth, New Jersey, in business for about 143 years. At the end of Q2 2026 it reported $1.5B in total assets and $1.3B in deposits, with 4 offices.
Union County Savings Bank has a TellerScore of 51 out of 100 (below average) based on Q2 2026 data — higher than only 8% of its 897 banks with $1 billion – $10 billion. Among 50 banks headquartered in New Jersey, it ranks 47th. Funding & liquidity contributes the most (100/100, 23% loans-to-deposits, 16% uninsured); earnings contributes the least (0/100, -1.45%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 5 points (56 → 51), mostly because the loan quality component weakened by 12 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 64 |
| Q3 2024 | 60 |
| Q4 2024 | 58 |
| Q1 2025 | 56 |
| Q2 2025 | 56 |
| Q3 2025 | 55 |
| Q4 2025 | 55 |
| Q1 2026 | 53 |
| Q2 2026 | 51 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.38% |
| Q3 2024 | 9.44% |
| Q4 2024 | 8.70% |
| Q1 2025 | 8.52% |
| Q2 2025 | 8.63% |
| Q3 2025 | 8.54% |
| Q4 2025 | 8.32% |
| Q1 2026 | 8.10% |
| Q2 2026 | 7.77% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.29% |
| Q3 2024 | 0.41% |
| Q4 2024 | 0.36% |
| Q1 2025 | 0.50% |
| Q2 2025 | 0.54% |
| Q3 2025 | 0.66% |
| Q4 2025 | 0.55% |
| Q1 2026 | 0.82% |
| Q2 2026 | 0.91% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -1.89% |
| Q3 2024 | -1.90% |
| Q4 2024 | -1.85% |
| Q1 2025 | -1.60% |
| Q2 2025 | -1.53% |
| Q3 2025 | -1.47% |
| Q4 2025 | -1.43% |
| Q1 2026 | -1.37% |
| Q2 2026 | -1.45% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 51 | $1.5B | 7.77% | 0.91% | -1.45% | 22.7% |
| Q1 2026 | 53 | $1.5B | 8.10% | 0.82% | -1.37% | 22.2% |
| Q4 2025 | 55 | $1.5B | 8.32% | 0.55% | -1.43% | 20.6% |
| Q3 2025 | 55 | $1.5B | 8.54% | 0.66% | -1.47% | 21.3% |
| Q2 2025 | 56 | $1.5B | 8.63% | 0.54% | -1.53% | 20.5% |
| Q1 2025 | 56 | $1.6B | 8.52% | 0.50% | -1.60% | 19.6% |
| Q4 2024 | 58 | $1.6B | 8.70% | 0.36% | -1.85% | 18.0% |
| Q3 2024 | 60 | $1.7B | 9.44% | 0.41% | -1.90% | 16.8% |
| Q2 2024 | 64 | $1.5B | 10.38% | 0.29% | -1.89% | 16.9% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in New Jersey
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Somerset Regal BankBank Bound Brook, NJ | 76 out of 100, Strong | $1.2B | 13.8% | 0.00% | vs |
| Sturdy Savings BankBank Stone Harbor, NJ | 68 out of 100, Moderate | $1.1B | 9.7% | 0.15% | vs |
| Magyar BankBank New Brunswick, NJ | 72 out of 100, Strong | $1.0B | 11.3% | 0.04% | vs |
| First Commerce BankBank Lakewood, NJ | 60 out of 100, Moderate | $2.0B | 10.2% | 0.72% | vs |
| The Bank of PrincetonBank Princeton, NJ | 68 out of 100, Moderate | $2.3B | 11.7% | 0.92% | vs |
| Parke BankBank Sewell, NJ | 85 out of 100, Very strong | $2.3B | 15.9% | 0.27% | vs |
Deposit insurance
Is my money safe at Union County Savings Bank?
Yes. Union County Savings Bank is an FDIC-insured institution (FDIC certificate #12013). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 15.7% of deposits ($211.3M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 7.77%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 21.13% (benchmark: 10%).
4 locations
Branches
Union County Savings Bank lists 4 offices in 3 cities. Most locations:
- Elizabeth, NJ (2)
- Cranford, NJ (1)
- Union, NJ (1)
Identity & history
Profile
- Legal name
- Union County Savings Bank
- Type
- SI
- FDIC certificate #
- 12013
- RSSD ID
- 373601
- Primary regulator
- FDIC
- Established
- October 1, 1883
- Headquarters
- 320 N Broad St, Elizabeth, NJ 07208
- Website
- www.unioncountysavings.com
- Employees
- 51
Quick answers
Union County Savings Bank: common questions
Is Union County Savings Bank FDIC insured?
Yes. Union County Savings Bank is an FDIC-insured institution (FDIC certificate #12013). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Union County Savings Bank's TellerScore?
51 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Union County Savings Bank ever failed?
There is no failure record for FDIC certificate #12013 in the FDIC failed bank list.
How many branches does Union County Savings Bank have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Elizabeth
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Bank of New York Mellon Trust Company, National AssociationBank Los Angeles, CA | 100 out of 100, Very strong | $1.4B | 63.5% | 0.00% | vs |
| Wakefern Federal Credit UnionCredit union Elizabeth, NJ | 99 out of 100, Very strong | $12.0M | 24.3% | 0.13% | vs |
| B.S. and C.P. Hospitals Employees Federal Credit UnionCredit union Bronx, NY | 93 out of 100, Very strong | $1.0M | 34.2% | 0.00% | vs |
| Scf Westchester N. Y. Employees Federal Credit UnionCredit union White Plains, NY | 93 out of 100, Very strong | $1.5M | 23.8% | 0.18% | vs |
| NorthEast Community BankBank White Plains, NY | 90 out of 100, Very strong | $2.1B | 17.3% | 0.00% | vs |
| Local 1233 Federal Credit UnionCredit union Newark, NJ | 88 out of 100, Very strong | $14.1M | 17.9% | 0.27% | vs |