Basis: Trailing twelve months (TTM net income over the latest quarterly balance sheet). Source: stored company filings and market data; unavailable inputs remain N/A.
Is the return on assets (ROA) high or low?
The return on assets (ROA) of 0.78% is 11% below its 5-year average of 0.87%, around the middle of its 5-year range (0.57%–1.17%).
23.81% above its 12-month average of 0.63%.
Reported quarterly return on assets; no daily interpolation. Q2 FY2026 (2026-06-30): 0.19%.
RETURN ON ASSETS (ROA)
0.78%
RETURN ON ASSETS (ROA) AVG TTM
0.63%
RETURN ON ASSETS (ROA) AVG 3Y
0.74%
RETURN ON ASSETS (ROA) AVG 5Y
0.87%
RETURN ON ASSETS (ROA) AVG 10Y
0.99%
RETURN ON ASSETS (ROA) AVG 15Y
1.05%
RETURN ON ASSETS (ROA) AVG 20Y
1.13%
CURRENT VS TTM AVG
+23.81%
CURRENT VS 3Y AVG
+5.05%
CURRENT VS 5Y AVG
-10.52%
CURRENT VS 10Y AVG
-21.57%
CURRENT VS 15Y AVG
-25.49%
CURRENT VS 20Y AVG
-31.23%
SECTOR MEDIAN · FINANCIAL SERVICES
1.23%
median of 710 covered companies
CURRENT VS SECTOR MEDIAN
-36.84%
vs the sector median at left
Union Bankshares, Inc.
Market Cap
$105.66M
Return on Assets (ROA)
0.78%
TTM Avg
0.63%
3Y Avg
0.74%
5Y Avg
0.87%
Market Cap
$105.42M
Return on Assets (ROA)
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$106.05M
Return on Assets (ROA)
-0.09%
TTM Avg
0.00%
3Y Avg
0.39%
5Y Avg
0.51%
Market Cap
$104.87M
Return on Assets (ROA)
3.21%
TTM Avg
-41.73%
3Y Avg
-41.73%
5Y Avg
-41.73%
Market Cap
$106.56M
Return on Assets (ROA)
1.64%
TTM Avg
0.02%
3Y Avg
1.26%
5Y Avg
0.46%
Market Cap
$107.12M
Return on Assets (ROA)
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$107.32M
Return on Assets (ROA)
-35.66%
TTM Avg
-35.66%
3Y Avg
-35.66%
5Y Avg
-35.66%
Market Cap
$107.35M
Return on Assets (ROA)
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$108.03M
Return on Assets (ROA)
1.93%
TTM Avg
0.30%
3Y Avg
0.30%
5Y Avg
0.30%
| NAME | MARKET CAP | RETURN ON ASSETS (ROA) | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Union Bankshares, Inc. (UNB) | $105.66M | 0.78% | 0.63% | 0.74% | 0.87% |
| Maywood Acquisition Corp. 2 Class A Ordinary Share (MYX)vs › | $105.42M | N/A | N/A | N/A | N/A |
| Pathfinder Bancorp, Inc. (PBHC)vs › | $106.05M | -0.09% | 0.00% | 0.39% | 0.51% |
| ChampionsGate Acquisition Corporation Class A Ordinary Share (CHPG)vs › | $104.87M | 3.21% | -41.73% | -41.73% | -41.73% |
| Twelve Seas Investment Company II (TWLV)vs › | $106.56M | 1.64% | 0.02% | 1.26% | 0.46% |
| TCGX Acquisition Corp. Class A Ordinary Shares (TCGX)vs › | $107.12M | N/A | N/A | N/A | N/A |
| BHAV Acquisition Corp Class A Ordinary Shares (BHAV)vs › | $107.32M | -35.66% | -35.66% | -35.66% | -35.66% |
| Research Alliance Corporation III Class A Ordinary Shares (RACC)vs › | $107.35M | N/A | N/A | N/A | N/A |
| Quartzsea Acquisition Corporation (QSEA)vs › | $108.03M | 1.93% | 0.30% | 0.30% | 0.30% |
| Broadway Financial Corp. (BYFC)vs › | $108.04M | -1.30% | -0.85% | -0.23% | -0.23% |
ROA
0.8%
ROE
13.4%
ROA = Net Income / Total Assets
Return on assets measures how efficiently a company generates profit from its total assets.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
| DATE | RETURN ON ASSETS (ROA) |
|---|---|
| 2025-12-31 | 0.69% |
| 2024-12-31 | 0.57% |
| 2023-12-31 | 0.77% |
| 2022-12-31 | 0.94% |
| 2021-12-31 | 1.09% |
| 2020-12-31 | 1.17% |
| 2019-12-31 | 1.22% |
| 2018-12-31 | 0.88% |
| 2017-12-31 | 1.13% |
| 2016-12-31 | 1.23% |
| 2015-12-31 | 1.25% |
| 2014-12-31 | 1.23% |
| 2013-12-31 | 1.22% |
| 2012-12-31 | 1.19% |
| 2011-12-31 | 0.94% |
| 2010-12-31 | 1.23% |
| 2009-12-31 | 1.17% |
| 2008-12-31 | 1.16% |
| 2007-12-31 | 1.44% |
| 2006-12-31 | 1.64% |
| 2005-12-31 | 1.66% |
| 2004-12-31 | 1.62% |
| 2003-12-31 | 1.51% |
| 2002-12-31 | 1.51% |
| 2001-12-31 | 1.43% |
| 2000-12-31 | 1.58% |
| 1999-12-31 | 1.38% |
| 1998-12-31 | 1.57% |
