University Bancorp Balance Sheet Health
Financial Health criteria checks 6/6
University Bancorp has total assets of $931.6M and total equity of $94.6M. Total deposits are $675.0M, and total loans are $729.7M.
Key information
9.9x
Asset to equity ratio
n/a
Net interest margin
| Total deposits | US$674.99m |
| Loan to deposit ratio | Appropriate |
| Bad loans | 0.1% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | US$26.11m |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: UNIB's Assets to Equity ratio (9.9x) is low.
Allowance for Bad Loans: UNIB has a sufficient allowance for bad loans (461%).
Low Risk Liabilities: 81% of UNIB's liabilities are made up of primarily low risk sources of funding.
Loan Level: UNIB has an appropriate level of Loans to Assets ratio (78%).
Low Risk Deposits: UNIB's Loans to Deposits ratio (108%) is appropriate.
Level of Bad Loans: UNIB has an appropriate level of bad loans (0.1%).