City Union Bank
Mid/Small Private · NSE CUB · Market cap ₹23,640
Latest FY FY2026
Loan growth
26.5%
Deposit growth
23.3%
NIM
3.8%
48th pctile
ROA
1.5%
ROE
13.9%
Gross NPA
1.7%
22th pctile
P/B
1.69x
40th pctile
Level · Change · Relative · History
§69/§70 — never read a single number alone
| Metric | This bank | Peer median | vs peers | Own history |
|---|---|---|---|---|
| Loan growth | 26.5% | 17.7% | +8.8pp | — |
| Deposit growth | 23.3% | 13.4% | +9.9pp | — |
| CASA | 26.6% | 32.7% | -6.1pp | 49th |
| NIM | 3.8% | 3.6% | +0.2pp | 48th |
| ROA | 1.5% | 1.1% | +0.5pp | — |
| ROE | 13.9% | 12.4% | +1.5pp | — |
| Gross NPA | 1.7% | 1.9% | -0.1pp | 22th |
| Credit cost | 1.2% | 1.3% | -0.1pp | — |
| Cost/income | 45.4% | 55.1% | -9.7pp | — |
| CRAR | 21.7% | 18.9% | +2.8pp | — |
| P/B | 1.69x | 1.07x | +0.6pp | 40th |
Inflections detected
§24 — deterministic rules on this bank's data
- ▲Gross NPA -42.1% YoY to 1.73 · abs(yoy)>=15%
- ▲Cost To Income Ratio decelerating for 3 consecutive periods · 3 consecutive negative accelerations
- ▲Gross NPA decelerating for 3 consecutive periods · 3 consecutive negative accelerations
- ▲Deposits growing +13.3pp vs listed-bank aggregate (share 0.31%, +0.03pp 1Y) · |bank growth - system proxy growth| >= 5pp
- ▲Advances growing +12.5pp vs listed-bank aggregate (share 0.31%, +0.03pp 1Y) · |bank growth - system proxy growth| >= 5pp