This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Bank
Woburn, MA
Health score
88.4
Total assets
$3.4B
Bank
Whitinsville, MA
Health score
80.2
Total assets
$3.1B
Answer first
Northern Bank & Trust Company leads on financial health and capitalization and profitability; UniBank for Savings leads on lending quality and growth. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
Northern Bank & Trust Company
Higher TFS health score
Capitalization
Northern Bank & Trust Company
Higher comparable capital ratio
Profitability
Northern Bank & Trust Company
Higher return on assets
Lending quality
UniBank for Savings
Lower problem-loan measure
Growth
UniBank for Savings
Higher year-over-year asset growth
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | Northern Bank & Trust Company | UniBank for Savings |
|---|---|---|
| TFS health score | 88.4/100Leads | 80.2/100 |
| Total assets | $3.4B | $3.1B |
| Total deposits / shares | $2.8B | $2.6B |
| Tier 1 capital ratio | 14.55%Leads | 8.83% |
| Return on assets | 1.90%Leads | 1.06% |
| Return on equity | 13.22% | 13.54% |
Northern Bank & Trust Company
14 branches
UniBank for Savings
15 branches
Both institutions report branches in 1 state: MA.
Northern Bank & Trust Company
Unavailable
UniBank for Savings
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
Northern Bank & Trust Company
0 in TFS registry
UniBank for Savings
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | Northern Bank & Trust Company score | Northern Bank & Trust Company ROA | UniBank for Savings score | UniBank for Savings ROA |
|---|---|---|---|---|
| 2024-Q3 | — | 1.60% | — | 0.73% |
| 2024-Q4 | — | 1.56% | — | 0.72% |
| 2025-Q1 | — | 1.63% | — | 0.62% |
| 2025-Q2 | — | 1.80% | — | 0.76% |
| 2025-Q3 | — | 1.75% | — | 0.81% |
| 2025-Q4 | — | 1.64% | — | 0.81% |
| 2026-Q1 | 85.7/100 |
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Coverage boundaries
Related comparisons
Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Arbitrary comparison pairs are available dynamically but remain noindex unless curated for data completeness and user value.
| Non-performing loans | 2.07% | 0.62%Leads |
| Net charge-offs | 0.07% | 0.01%Leads |
| Efficiency ratio | 47.08%Leads | 58.06% |
| Loan-to-deposit ratio | 100.66% | 82.44% |
| Asset growth (YoY) | 4.97% | 5.82%Leads |
| Deposit / share growth (YoY) | 5.76%Leads | 4.38% |
| Branches | 14 | 15 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |
| 1.78% |
| 78.4/100 |
| 0.96% |
| 2026-Q2 | 88.4/100 | 1.90% | 80.2/100 | 1.06% |