Union Bank
Grand Rapids, MI · Cert 14722 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Union Financial Corp.
State charter, non-member · FDIC · 8 branches
Q2 2026
$396.7MAssets
$319.4MLoans
$313.5MDeposits
$33.4MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 69% of banks under $1B in assets operating in a single state (rank 236 of 743).
- Widest gap: tier 1 capital ratio trails 95% of banks under $1B in assets operating in a single state (rank 710 of 746).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.74%
Rank 551 of 746
Net Interest Margin
4.00%
Rank 247 of 746
Efficiency Ratio
75.51%
Rank 561 of 746
Equity / Assets
8.42%
Rank 607 of 746
Non-interest income vs. expense
Unfavorable gap of $10.6M · efficiency ratio beats 25% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.74% | 0.72% | 1.06% | 1.45% | Beats 26% | 551 / 746 | | |
| Return on Equity | 8.77% | 6.74% | 10.51% | 13.63% | Beats 39% | 456 / 746 | | |
| Net Interest Margin | 4.00% | 3.17% | 3.68% | 4.16% | Beats 67% | 247 / 746 | | |
| Efficiency Ratio | 75.51% | 55.74% | 64.58% | 75.47% | Beats 25% | 561 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.07% | 0.09% | 0.42% | 1.07% | Beats 25% | 558 / 743 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 69% | 236 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 9.77% | 11.55% | 13.75% | 17.60% | Beats 5% | 710 / 746 | | |
| Total Risk-Based Capital Ratio | 10.96% | 11.71% | 14.33% | 18.43% | Beats 17% | 618 / 746 | | |
| Equity / Assets | 8.42% | 8.90% | 10.51% | 13.06% | Beats 19% | 607 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 101.88% | 61.31% | 78.27% | 90.78% | 92nd pctl | 63 / 746 | | |
| Loans / Assets | 80.52% | 53.60% | 66.97% | 76.08% | 86th pctl | 104 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |