U & I Financial Corp. Reports Third Quarter 2025 Financial Results
U & I Financial Corp. (OTCQX:UNIF) reported a third-quarter 2025 net loss of $258,000 (loss per share $0.05), an improvement from a $15.0 million loss ($2.73 per share) in Q3 2024. The company recorded a negative provision for credit losses of $800,000 in Q3 2025 versus a $19.5 million provision a year earlier.
Balance sheet changes at September 30, 2025 included Total Assets $395.1M (down 30.6% YoY), Net Loans $298.2M (down 27.3% YoY) and Total Deposits $344.8M (down 26.4% YoY). Nonperforming assets ratio improved to 1.35% from 2.74% a year earlier. Capital ratios remained above well-capitalized minima with a Tier 1 Leverage Ratio 7.32%.
U & I Financial Corp. (OTCQX:UNIF) ha riportato una perdita netta del terzo trimestre 2025 di 258.000 dollari (per azione 0,05 dollari), migliorata rispetto a una perdita di 15,0 milioni di dollari (2,73 dollari per azione) nel Q3 2024. L'azienda ha registrato una previsione negativa per perdite su crediti di 800.000 dollari nel Q3 2025 rispetto a una previsione di 19,5 milioni di dollari un anno prima.
Le variazioni dello stato patrimoniale al 30 settembre 2025 includevano Attività totali 395,1 milioni di dollari (in calo del 30,6% su base annua), Crediti netti 298,2 milioni di dollari (in calo del 27,3% su base annua) e Depositi totali 344,8 milioni di dollari (in calo del 26,4% su base annua). Il rapporto di non performing assets è migliorato al 1,35% rispetto al 2,74% dell'anno precedente. I coefficienti di capitale sono rimasti superiori ai minimi di una capitale ben mantenuta con un Rapporto Leverage Tier 1 7,32%.
U & I Financial Corp. (OTCQX:UNIF) reportó una pérdida neta del tercer trimestre de 2025 de 258.000 dólares (pérdida por acción de 0,05 USD), una mejora respecto a una pérdida de 15,0 millones de dólares (2,73 por acción) en el 3T 2024. La empresa registró una provisión negativa para pérdidas crediticias de 800.000 dólares en el 3T 2025 frente a una provisión de 19,5 millones de dólares el año anterior.
Los cambios en el balance al 30 de septiembre de 2025 incluían Activos totales de 395,1 millones de dólares (bajo un 30,6% interanual), Préstamos netos de 298,2 millones de dólares (bajo un 27,3% interanual) y Depósitos totales de 344,8 millones de dólares (bajo un 26,4% interanual). La ratio de activos problemáticos mejoró a 1,35% desde el 2,74% del año anterior. Los coeficientes de capital se mantuvieron por encima de los mínimos para una adecuada capitalización con una Razón Tier 1 de Apalancamiento 7,32%.
U & I Financial Corp. (OTCQX:UNIF)는 2025년 3분기 순손실 258,000달러를 보고했고(주당 손실 0,05달러), 2024년 3분기의 1500만 달러 손실(주당 2,73달러)과 비교해 개선되었습니다. 회사는 2025년 3분기에 신용손실에 대한 음의 충당금 80만 달러을 기록했으며, 전년 동기의 충당금은 1950만 달러였습니다.
2025년 9월 30일 기준 대차대조표의 변화로는 총자산 3억 9,510만 달러로 연간 대비 -30.6%, 대출 순액 2억 9,82만 달러로 연간 대비 -27.3%, 총예금 3억 4,48만 달러로 연간 대비 -26.4%가 포함되었습니다. 부실자산 비율은 작년의 2.74%에서 1.35%로 개선되었습니다. 자본비율은 여전히 충분한 자본화를 나타내는 최소치를 웃돌았고 Tier 1 레버리지 비율 7.32%를 기록했습니다.
U & I Financial Corp. (OTCQX:UNIF) a enregistré une perte nette au troisième trimestre 2025 de 258 000 USD (perte par action 0,05 USD), une amélioration par rapport à une perte de 15,0 millions USD (2,73 USD par action) au T3 2024. L'entreprise a enregistré une provision négative pour pertes de crédit de 800 000 USD au T3 2025 contre 19,5 millions USD de provision l'année précédente.
Les variations du bilan au 30 septembre 2025 incluaient Actifs totaux de 395,1 millions USD (en baisse de 30,6 % sur un an), Prêts nets de 298,2 millions USD (en baisse de 27,3 % sur un an) et Dépôts totaux de 344,8 millions USD (en baisse de 26,4 % sur un an). Le ratio d'actifs non performants s'est amélioré à 1,35 % contre 2,74 % l'année précédente. Les ratios de capital sont restés supérieurs aux minima d'une capitalisation bien capitalisée avec un Ratio de levier Tier 1 de 7,32 %.
U & I Financial Corp. (OTCQX:UNIF) meldete einen Nettoverlust im dritten Quartal 2025 von 258.000 USD (Verlust pro Aktie 0,05 USD), eine Verbesserung gegenüber dem Verlust von 15,0 Mio. USD (2,73 USD pro Aktie) im Q3 2024. Das Unternehmen verzeichnete eine negative Rückstellung für Kreditverluste von 800.000 USD im Q3 2025 gegenüber 19,5 Mio. USD Rückstellung im Vorjahr.
Die Bilanzveränderungen zum 30. September 2025 umfassten Gesamtaktiva 395,1 Mio. USD (Jahresvergleich -30,6%), netto Kredite 298,2 Mio. USD (Jahresvergleich -27,3%) und Gesamt deposits 344,8 Mio. USD (Jahresvergleich -26,4%). Die Ratio der notleidenden Vermögenswerte verbesserte sich auf 1,35% von 2,74% im Vorjahr. Die Kapitalquoten lagen weiterhin über den Mindestwerten für gut kapitalisierte Institute mit einem Tier-1-Leverage-Verhältnis 7,32%.
U & I Financial Corp. (OTCQX:UNIF) أعلنت عن خسارة صافية للربع الثالث من 2025 قدرها 258,000 دولار (خسارة للسهم 0.05 دولار)، وهي تحسن مقارنة بخسارة قدرها 15.0 مليون دولار (2.73 دولار للسهم) في الربع الثالث من 2024. سجلت الشركة مخصصاً سلبياً لخسائر الائتمان قدره 800,000 دولار في الربع الثالث من 2025 مقارنة بمخصص قدره 19.5 مليون دولار في العام السابق.
شملت التغييرات في الميزانية في 30 سبتمبر 2025 جميع الأصول 395.1 مليون دولار (بانخفاض 30.6% سنوياً)، القروض الصافية 298.2 مليون دولار (بانخفاض 27.3% سنوياً)، والودائع الإجمالية 344.8 مليون دولار (بانخفاض 26.4% سنوياً). تحسن معدل الأصول غير العاملة إلى 1.35% من 2.74% في العام السابق. وبقيت نسب رأس المال أعلى من الحد الأدنى للمؤسسات المصنّفة على أنها متمتعة برأس مال جيد مع نسبة الرفع Tier 1 7.32%.
- Net loss narrowed to $0.26M in Q3 2025 from $15.0M year-ago
- Negative provision for credit losses of $0.8M indicates reserve release
- Nonperforming assets ratio improved to 1.35% from 2.74% year-ago
- All capital ratios remained above well-capitalized regulatory thresholds
- Total assets declined 30.6% YoY to $395.1M at 9/30/2025
- Total deposits fell 26.4% YoY to $344.8M at 9/30/2025
- Net loans decreased 27.3% YoY to $298.2M at 9/30/2025
- Tier 1 Leverage Ratio slipped to 7.32% from 7.53% year-ago
LYNNWOOD, WA / ACCESS Newswire / October 30, 2025 / U & I Financial Corp. (OTCQX:UNIF), the holding company ("Company") for UniBank ("Bank"), today reported quarterly Net Loss of
At September 30, 2025, Total Assets were
The Company had a Net Charge Off of
The Bank's capital ratios were
"Due to our continued credit improvement and deleveraging efforts, we remained 'well capitalized' as provided in the regulatory guidelines in the third quarter 2025. We also continued to see improved credit metrics, resulting in the lower allowance for credit loss requirement," said President & CEO Stephanie Yoon.
Non-GAAP Financial Metrics
This news release contains certain non-GAAP financial measure disclosures. Management believes these non-GAAP financial measures provide meaningful supplemental information regarding the Company's operational performance, credit quality and capital levels.
About U & I Financial Corp.
UniBank, the wholly owned subsidiary of U & I Financial Corp. (OTCQX: UNIF). Founded in 2006 and based in Lynnwood, Washington, the Bank serves small to medium-sized businesses, professionals, and individuals across the United States with a particular emphasis on government guaranteed loan programs. Customers can access their accounts in any of the four branches - Lynnwood, Bellevue, Federal Way and Tacoma - online, or through the Bank's ATM network.
For more information visit www.unibankusa.com or call (425) 275-9700.
Forward-Looking Statement Safe Harbor: This news release contains comments or information that constitutes forward-looking statements (within the meaning of the Private Securities Litigation Reform Act of 1995) that are based on current expectations that involve a number of risks and uncertainties. Forward-looking statements describe the Company's projections, estimates, plans and expectations of future results and can be identified by words such as "believe," "intend," "estimate," "likely," "anticipate," "expect," "looking forward," and other similar expressions. They are not guarantees of future performance. Actual results may differ materially from the results expressed in these forward-looking statements, which because of their forward-looking nature, are difficult to predict. Investors should not place undue reliance on any forward-looking statement, and should consider factors that might cause differences including but not limited to compliance with the Written Agreement with the Federal Reserve Bank of San Francisco and the Washington Department of Financial Institutions; the result of litigation and investigations; the degree of competition by traditional and nontraditional competitors; declines in real estate markets, an increase in unemployment or sustained high levels of unemployment; changes in interest rates; adverse changes in local, national and international economies; the potential for new or increased tariffs; trade restrictions or geopolitical tensions that could affect economic activity or specific industry sectors, changes in the Federal Reserve's actions that affect monetary and fiscal policies; changes in legislative or regulatory actions or reform, including without limitation; the Dodd-Frank Wall Street Reform and Consumer Protection Act; demand for products and services; further declines in the quality of the loan portfolio that results in continued losses and our ability to succeed in our problem-asset resolution efforts; including, but not limited to, continued credit deterioration of commercial-equipment loans and future increases in the Provision for Credit Losses; the impact of technological advances; changes in tax laws; and other risk factors. U & I Financial Corp. undertakes no obligation to publicly update or clarify any forward-looking statement to reflect the impact of events or circumstances that may arise after the date of this release.
STATEMENT OF INCOME (LOSS) (Unaudited) | ||||||||||||||||||||
Sep-25 | Jun-25 | Sep-24 | Sep-25 | Sep-24 | ||||||||||||||||
(Dollars in thousands except EPS) | QTD | QTD | QTD | YTD | YTD | |||||||||||||||
Interest Income | $ | 5,608 | $ | 5,935 | $ | 8,270 | $ | 18,186 | $ | 26,917 | ||||||||||
Interest Expense | 3,090 | 3,250 | 4,820 | 10,246 | 14,287 | |||||||||||||||
Net Interest Income | 2,518 | 2,685 | 3,450 | 7,940 | 12,630 | |||||||||||||||
Provision for Credit Losses (Negative Provision) | (800 | ) | (2,235 | ) | 19,479 | 69 | 22,445 | |||||||||||||
Gain (Loss) on Loan Sales | - | - | - | - | 179 | |||||||||||||||
Loan Servicing Fees, Net of Amortization | 122 | (54 | ) | 168 | 191 | 527 | ||||||||||||||
Other Non-interest Income | 77 | 83 | 212 | 316 | 592 | |||||||||||||||
Non-interest Income | 199 | 29 | 380 | 507 | 1,298 | |||||||||||||||
Salaries & Benefits | 1,551 | 1,571 | 1,514 | 4,750 | 4,948 | |||||||||||||||
Occupancy Expense | 211 | 205 | 205 | 617 | 586 | |||||||||||||||
Other Expense | 2,012 | 1,512 | 1,568 | 4,773 | 4,381 | |||||||||||||||
Non-interest Expense | 3,774 | 3,288 | 3,287 | 10,140 | 9,915 | |||||||||||||||
Net Income (Loss) before Income Taxes | (257 | ) | 1,661 | (18,936 | ) | (1,762 | ) | (18,432 | ) | |||||||||||
Income Tax Expense (Benefit) | 1 | 904 | (3,983 | ) | (188 | ) | (3,921 | ) | ||||||||||||
Net Income (Loss) | $ | (258 | ) | $ | 757 | $ | (14,953 | ) | $ | (1,574 | ) | $ | (14,511 | ) | ||||||
Total Outstanding Shares (in thousands) | 5,477 | 5,477 | 5,477 | 5,477 | 5,477 | |||||||||||||||
Basic Earnings (Loss) per Share | $ | (0.05 | ) | $ | 0.14 | $ | (2.73 | ) | $ | (0.29 | ) | $ | (2.65 | ) | ||||||
Statement of Condition (Unaudited) | ||||||||||||||||||||
Sep-25 | Jun-25 | Sep-24 | Variance | Variance | ||||||||||||||||
(Dollars in thousands) | Qtr End | Qtr End | Qtr End | Prior Qtr | Prior Year | |||||||||||||||
Cash and Due from Banks | $ | 34,001 | $ | 39,200 | $ | 70,527 | $ | (5,199 | ) | $ | (36,526 | ) | ||||||||
Investments | 52,770 | 45,293 | 50,344 | 7,477 | 2,426 | |||||||||||||||
Loans Held for Sale | - | - | - | - | - | |||||||||||||||
Gross Loans | 301,264 | 318,109 | 439,233 | (16,845 | ) | (137,969 | ) | |||||||||||||
Allowance for Credit Losses (ACL) on Loans | (3,102 | ) | (3,798 | ) | (28,964 | ) | 696 | 25,862 | ||||||||||||
Net Loans | 298,162 | 314,311 | 410,269 | (16,149 | ) | (112,107 | ) | |||||||||||||
Fixed Assets | 5,506 | 5,649 | 6,078 | (143 | ) | (572 | ) | |||||||||||||
Deferred Tax Assets | 12,915 | 12,860 | 11,192 | 55 | 1,723 | |||||||||||||||
Valuation Allowance | (12,349 | ) | (12,294 | ) | - | (55 | ) | (12,349 | ) | |||||||||||
Net Deferred Tax Assets | 566 | 566 | 11,192 | - | (10,626 | ) | ||||||||||||||
Bank-Owned Life Insurance | - | - | 14,641 | - | (14,641 | ) | ||||||||||||||
Other Assets | 4,114 | 4,565 | 6,554 | (451 | ) | (2,440 | ) | |||||||||||||
Total Assets | $ | 395,119 | $ | 409,584 | $ | 569,605 | $ | (14,465 | ) | $ | (174,486 | ) | ||||||||
Checking | $ | 67,852 | $ | 66,367 | $ | 86,708 | $ | 1,485 | $ | (18,856 | ) | |||||||||
NOW | 4,598 | 3,977 | 5,233 | 621 | (635 | ) | ||||||||||||||
Money Market | 55,892 | 55,868 | 128,136 | 24 | (72,244 | ) | ||||||||||||||
Savings | 4,973 | 4,817 | 6,258 | 156 | (1,285 | ) | ||||||||||||||
Certificates of Deposit | 211,425 | 227,861 | 241,840 | (16,436 | ) | (30,415 | ) | |||||||||||||
Total Deposits | 344,740 | 358,890 | 468,175 | (14,150 | ) | (123,435 | ) | |||||||||||||
Borrowed Funds | 20,000 | 20,000 | 50,000 | - | (30,000 | ) | ||||||||||||||
ACL on Off-Balance Sheet Credit Exposure | 5 | 123 | 1,695 | (118 | ) | (1,690 | ) | |||||||||||||
Other Liabilities | 1,665 | 2,345 | 2,710 | (680 | ) | (1,045 | ) | |||||||||||||
Total Liabilities | 366,410 | 381,358 | 522,580 | (14,948 | ) | (156,170 | ) | |||||||||||||
Shareholders' Equity | 28,709 | 28,226 | 47,025 | 483 | (18,316 | ) | ||||||||||||||
Total Liabilities & Equity | $ | 395,119 | $ | 409,584 | $ | 569,605 | $ | (14,465 | ) | $ | (174,486 | ) | ||||||||
Financial Ratios | ||||||||||||||||||||
Sep-25 | Jun-25 | Sep-24 | Sep-25 | Sep-24 | ||||||||||||||||
(Dollars in thousands except BVS) | QTD | QTD | QTD | YTD | YTD | |||||||||||||||
Performance Ratios | ||||||||||||||||||||
Return on Average Assets* | ( | ) | ( | ) | ( | ) | ( | ) | ||||||||||||
Return on Average Equity* | ( | ) | ( | ) | ( | ) | ( | ) | ||||||||||||
Net Interest Margin* | ||||||||||||||||||||
Efficiency Ratio | ||||||||||||||||||||
*Quarterly results are annualized | ||||||||||||||||||||
Well | Adequately | |||||||||||||||||||
Sep-25 | Jun-25 | Sep-24 | Capitalized | Capitalized | ||||||||||||||||
Capital | QTD | QTD | QTD | Minimum | Minimum | |||||||||||||||
Tier 1 Leverage Ratio** | 7.32 | % | 7.18 | % | 7.53 | % | 5.00 | % | 4.00 | % | ||||||||||
Common Equity Tier 1 Ratio** | 9.62 | % | 9.22 | % | 9.56 | % | 6.50 | % | 4.50 | % | ||||||||||
Tier 1 Risk-Based Capital Ratio** | 9.62 | % | 9.22 | % | 9.56 | % | 8.00 | % | 6.00 | % | ||||||||||
Total Risk-Based Capital Ratio ** | 10.63 | % | 10.43 | % | 10.87 | % | 10.00 | % | 8.00 | % | ||||||||||
Book Value per Share (BVS) | $ | 5.24 | $ | 5.15 | $ | 8.59 | ||||||||||||||
**Represents Bank capital ratios | ||||||||||||||||||||
Sep-25 | Jun-25 | Sep-24 | Sep-25 | Sep-24 | ||||||||||||||||
Asset Quality | QTD | QTD | QTD | YTD | YTD | |||||||||||||||
Net Charge Off (Net Recovery) | $ | 14 | $ | 903 | $ | 8,676 | $ | 6,647 | $ | 23,288 | ||||||||||
Charge Offs: Commercial-Equipment | $ | 196 | $ | 2,352 | $ | 8,676 | $ | 4,720 | $ | 23,288 | ||||||||||
(Recoveries): Commercial-Equipment | $ | (127 | ) | $ | (1,216 | ) | $ | 0 | $ | (1,735 | ) | $ | 0 | |||||||
Charge Offs: All Other | $ | 0 | $ | 49 | $ | 0 | $ | 4,069 | $ | 0 | ||||||||||
(Recoveries): All Other | $ | (55 | ) | $ | (282 | ) | $ | 0 | $ | (407 | ) | $ | 0 | |||||||
Allowance for Credit Losses to Loans % | 1.03 | % | 1.19 | % | 6.59 | % | ||||||||||||||
Non-accrual Loans | $ | 5,343 | $ | 5,589 | $ | 7,328 | ||||||||||||||
Nonperforming Assets to Total Assets% | 1.35 | % | 1.36 | % | 2.74 | % | ||||||||||||||
Additional Credit Disclosures
Loan Segmentation - The following tables present the Bank's total loans outstanding at amortized cost by portfolio segment and by internally assigned grades as of September 30, 2025 and June 30, 2025 (in thousands):
September 30, 2025 | Special | |||||||||||||||||||||||
Portfolio Segment | Pass | Mention | Substandard | Doubtful | Loss | Total | ||||||||||||||||||
Commercial real estate | $ | 149,889 | $ | 4,799 | $ | 11,929 | $ | 3,502 | $ | - | $ | 170,119 | ||||||||||||
Residential real estate | 96,003 | 16,137 | 2,821 | - | - | 114,961 | ||||||||||||||||||
Commercial - equipment | - | - | 4,170 | - | - | 4,170 | ||||||||||||||||||
Commercial - all other | 6,617 | - | 183 | - | - | 6,800 | ||||||||||||||||||
Multifamily | 4,525 | - | - | - | - | 4,525 | ||||||||||||||||||
Construction and land | 652 | - | - | - | - | 652 | ||||||||||||||||||
Consumer and other | 37 | - | - | - | - | 37 | ||||||||||||||||||
$ | 257,723 | $ | 20,936 | $ | 19,103 | $ | 3,502 | $ | - | $ | 301,264 | |||||||||||||
June 30, 2025 | Special | |||||||||||||||||||||||
Portfolio Segment | Pass | Mention | Substandard | Doubtful | Loss | Total | ||||||||||||||||||
Commercial real estate | $ | 154,734 | $ | 3,117 | $ | 12,206 | $ | 3,502 | $ | - | $ | 173,559 | ||||||||||||
Residential real estate | 111,145 | 12,857 | 2,835 | - | - | 126,837 | ||||||||||||||||||
Commercial - equipment | - | - | 4,275 | 196 | - | 4,471 | ||||||||||||||||||
Commercial - all other | 7,594 | - | 198 | - | - | 7,792 | ||||||||||||||||||
Multifamily | 4,746 | - | - | - | - | 4,746 | ||||||||||||||||||
Construction and land | 670 | - | - | - | - | 670 | ||||||||||||||||||
Consumer and other | 34 | - | - | - | - | 34 | ||||||||||||||||||
$ | 278,923 | $ | 15,974 | $ | 19,514 | $ | 3,698 | $ | - | $ | 318,109 | |||||||||||||
Descriptions of the various risk grades are as follows:
Special Mention: Assets having potential weaknesses that if left uncorrected, may result in decline in borrower's repayment ability. However, these assets are not adversely classified and do not expose the Bank to sufficient risk to warrant adverse classification.
Substandard: An asset is considered substandard if it is inadequately protected by the current net worth and pay capacity of the borrower or of any collateral pledged. Substandard assets include those characterized by the distinct possibility that the Bank will sustain some loss if the deficiencies are not corrected.
Doubtful: Assets classified as doubtful have all the weaknesses inherent in those classified substandard, with the added characteristic that the weaknesses present make collection or liquidation in full highly questionable and improbable on the basis of currently existing facts, conditions, and values.
Loss: Assets classified as loss are those considered uncollectible and of such little value that their continuance as assets without the establishment of a specific loss reserve is not warranted. Any loans downgraded to this category are generally charged off soon after.
Allowance for Credit Losses on Loans - The following tables present the allowance for credit losses under ASC 326, Financial Instruments - Credit Losses by portfolio segment and by internally assigned grades as of September 30, 2025 and June 30, 2025 (in thousands):
September 30, 2025 | Special | |||||||||||||||||||||||
Portfolio Segment | Pass | Mention | Substandard | Doubtful | Loss | Total | ||||||||||||||||||
Commercial real estate | $ | 879 | $ | 289 | $ | 59 | $ | - | $ | - | $ | 1,227 | ||||||||||||
Residential real estate | 269 | 47 | 121 | - | (894 | ) | (457 | ) | ||||||||||||||||
Commercial - equipment | - | - | 2,085 | - | - | 2,085 | ||||||||||||||||||
Commercial - all other | 227 | - | - | - | - | 227 | ||||||||||||||||||
Multifamily | 6 | - | - | - | - | 6 | ||||||||||||||||||
Construction and land | 12 | - | - | - | - | 12 | ||||||||||||||||||
Consumer and other | 2 | - | - | - | - | 2 | ||||||||||||||||||
$ | 1,395 | $ | 336 | $ | 2,265 | $ | - | $ | (894 | ) | $ | 3,102 | ||||||||||||
June 30, 2025 | Special | |||||||||||||||||||||||
Portfolio Segment | Pass | Mention | Substandard | Doubtful | Loss | Total | ||||||||||||||||||
Commercial real estate | $ | 1,110 | $ | 15 | $ | 73 | $ | - | $ | - | $ | 1,198 | ||||||||||||
Residential real estate | 754 | 82 | 131 | - | (980 | ) | (13 | ) | ||||||||||||||||
Commercial - equipment | - | - | 2,144 | 196 | - | 2,340 | ||||||||||||||||||
Commercial - all other | 249 | - | - | - | - | 249 | ||||||||||||||||||
Multifamily | 8 | - | - | - | - | 8 | ||||||||||||||||||
Construction and land | 14 | - | - | - | - | 14 | ||||||||||||||||||
Consumer and other | 2 | - | - | - | - | 2 | ||||||||||||||||||
$ | 2,137 | $ | 97 | $ | 2,348 | $ | 196 | $ | (980 | ) | $ | 3,798 | ||||||||||||
Past due loans -The following table presents past due loans at amortized cost by portfolio segment as of September 30, 2025 and June 30, 2025 (in thousands):
September 30, 2025 | 30 - 59 Days | 60 - 89 Days | 90 Days or | Total | Total | |||||||||||||||||||
Portfolio Segment | Past Due | Past Due | More | Past Due | Current | Loans | ||||||||||||||||||
Commercial real estate | $ | - | $ | 45 | $ | 3,682 | $ | 3,727 | $ | 166,392 | $ | 170,119 | ||||||||||||
Residential real estate | - | - | - | - | 114,961 | 114,961 | ||||||||||||||||||
Commercial - equipment | 231 | - | - | 231 | 3,939 | 4,170 | ||||||||||||||||||
Commercial - all other | - | - | 183 | 183 | 6,617 | 6,800 | ||||||||||||||||||
Multifamily | - | - | - | - | 4,525 | 4,525 | ||||||||||||||||||
Construction and land | - | - | - | - | 652 | 652 | ||||||||||||||||||
Consumer and other | - | - | - | - | 37 | 37 | ||||||||||||||||||
$ | 231 | $ | 45 | $ | 3,865 | $ | 4,141 | $ | 297,123 | $ | 301,264 | |||||||||||||
June 30, 2025 | 30 - 59 Days | 60 - 89 Days | 90 Days or | Total | Total | |||||||||||||||||||
Portfolio Segment | Past Due | Past Due | More | Past Due | Current | Loans | ||||||||||||||||||
Commercial real estate | $ | - | $ | 64 | $ | 3,682 | $ | 3,746 | $ | 169,813 | $ | 173,559 | ||||||||||||
Residential real estate | - | - | - | - | 126,837 | 126,837 | ||||||||||||||||||
Commercial - equipment | - | - | - | - | 4,471 | 4,471 | ||||||||||||||||||
Commercial - all other | - | - | 198 | 198 | 7,594 | 7,792 | ||||||||||||||||||
Multifamily | - | - | - | - | 4,746 | 4,746 | ||||||||||||||||||
Construction and land | - | - | - | - | 670 | 670 | ||||||||||||||||||
Consumer and other | - | - | - | - | 34 | 34 | ||||||||||||||||||
$ | - | $ | 64 | $ | 3,880 | $ | 3,944 | $ | 314,165 | $ | 318,109 | |||||||||||||
Non-accrual loans -Loans are placed on non-accrual once the loan is 90 days past due or sooner if, in management's opinion, the borrower may be unable to meet payment of obligations as they become due, as well as when required by regulatory provisions. The following table presents the nonaccrual loans at amortized cost by portfolio segment as of September 30, 2025 and June 30, 2025 (in thousands):
September 30, 2025 Portfolio Segment | Non-accrual with no Allowance for Credit Losses | Non-accrual with Allowance for Credit Losses | Total Non-accrual | Loans Past Due Over 89 Days Still Accruing | ||||||||||||
Commercial real estate | $ | 5,160 | $ | - | $ | 5,160 | $ | - | ||||||||
Commercial - equipment | - | - | - | - | ||||||||||||
Commercial - all other | 183 | - | 183 | - | ||||||||||||
$ | 5,343 | $ | - | $ | 5,343 | $ | - | |||||||||
June 30, 2025 Portfolio Segment | Non-accrual with no Allowance for Credit Losses | Non-accrual with Allowance for Credit Losses | Total Non-accrual | Loans Past Due Over 89 Days Still Accruing | ||||||||||||
Commercial real estate | $ | 5,196 | $ | - | $ | 5,196 | $ | - | ||||||||
Commercial - equipment | $ | - | $ | 196 | $ | 196 | $ | - | ||||||||
Commercial - all other | 198 | - | 198 | - | ||||||||||||
$ | 5,393 | $ | 196 | $ | 5,589 | $ | - | |||||||||
U & I Financial Corp.
Investor Relations
IR@unibankusa.com
SOURCE: U & I Financial Corp.
View the original press release on ACCESS Newswire
FAQ
What did U & I Financial (UNIF) report for Q3 2025 net income or loss?
How did UNIF's credit provision change in Q3 2025 versus Q3 2024?
What were U & I Financial's total assets and percent change at September 30, 2025?
Did UNIF remain well capitalized at September 30, 2025?
How did deposits and net loans change for UNIF in the year to 9/30/2025?
What credit-quality metrics improved for U & I Financial in Q3 2025?
