D
Union Bank
Rating Date
August 2026
Risk Based
Capital Ratio
10.96
Leverage
Ratio
8.83
Return On
Assets
0.77%
Total
Assets
396.66M
Capital
33.41M
Total
Deposits
313.48M
Net
Income
1.47M
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Weiss Ratings Union Bank
Grand Rapids, MI 		Click to
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Rating D
Asset Quality Index 3.40
Capitalization Index 6.80
Liquidity Index 1.30
Profitability Index 3.70
Stability Index 4.50
Company Info Union Bank
Grand Rapids, MI 		Click to
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FDIC Number 14722
Phone Number (616) 374-3278
Website www.ubmich.com
Asset Quality Union Bank
Grand Rapids, MI 		Click to
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1-Year Asset Growth 3.96%
5-Year Asset Growth 6.35%
5-Year Charge-Offs to Average Loans 0.15%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.86%
Non-Performing Loans to Capital 9.05%
Non-Performing Loans to Loans 1.07%
Balance Sheet Union Bank
Grand Rapids, MI 		Click to
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Total Assets 396.66M
Total Deposits 313.48M
Capital and Reserves Union Bank
Grand Rapids, MI 		Click to
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Capital 33.41M
Leverage Ratio 8.83
Loan Loss Reserves to Loans 1.29%
Risk-Based Capital Ratio 10.96
Liquidity Union Bank
Grand Rapids, MI 		Click to
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Hot Money Ratio 21.42%
Liquidity Ratio 9.29%
Profitability Union Bank
Grand Rapids, MI 		Click to
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5-Year Return on Average Assets 0.51%
Net Income 1.47M
Net Interest Spread 4.32%
Operating Profit to Average Assets 0.96%
Overhead Efficiency Ratio 75.51%
Return on Assets 0.77%
Return on Equity 9.05%