C
Union Bank
Rating Date
October 2025
Risk Based
Capital Ratio
10.55
Leverage
Ratio
8.30
Return On
Assets
0.50%
Total
Assets
380.03M
Capital
30.69M
Total
Deposits
306.29M
Net
Income
1.40M
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Weiss Ratings Union Bank
Grand Rapids, MI 		Click to
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Rating C
Asset Quality Index 2.10
Capitalization Index 6.30
Liquidity Index 1.70
Profitability Index 3.20
Stability Index 4.00
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 4.42%
5-Year Asset Growth 16.57%
5-Year Charge-Offs to Average Loans 0.08%
Charge-Offs to Average Loans 0.40%
Non-Performing Assets to Assets 1.19%
Non-Performing Loans to Capital 13.29%
Non-Performing Loans to Loans 1.51%
Balance Sheet Union Bank
Grand Rapids, MI 		Click to
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Total Assets 380.03M
Total Deposits 306.29M
Capital and Reserves Union Bank
Grand Rapids, MI 		Click to
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Capital 30.69M
Leverage Ratio 8.30
Loan Loss Reserves to Loans 1.10%
Risk-Based Capital Ratio 10.55
Liquidity Union Bank
Grand Rapids, MI 		Click to
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Hot Money Ratio 19.56%
Liquidity Ratio 7.98%
Profitability Union Bank
Grand Rapids, MI 		Click to
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5-Year Return on Average Assets 0.54%
Net Income 1.40M
Net Interest Spread 3.93%
Operating Profit to Average Assets 0.62%
Overhead Efficiency Ratio 83.66%
Return on Assets 0.50%
Return on Equity 6.34%