Union Bank
Total assets
$396.7M
▲ +4.0% YoY
Deposits
$313.5M
▲ +4.6% YoY
Loans
$315.3M
▲ +7.4% YoY
Offices
9
UNION FINANCIAL CORP
ROA (annualized)
0.75%
peers 1.24%
ROE (annualized)
9.03%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | Union Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.0% | +4.4% | -0.4 pts |
| Deposit growth (YoY) | +4.6% | +4.0% | +0.6 pts |
| Loan growth (YoY) | +7.4% | +5.6% | +1.8 pts |
| ROA | 0.75% | 1.24% | -0.5 pts |
| ROE | 9.0% | 11.9% | -2.8 pts |
ROA ranks in the 23rd percentile of its peer group · Q2 2026
Profile
- Established
- 1934
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- UNION FINANCIAL CORP
- Specialization
- Commercial Lending Specialization
- Address
- 670 Cascade West Pkwy Se, Grand Rapids, MI, 49546
- County
- Kent
- Metro area
- Grand Rapids-Kentwood, MI
- Offices
- 9
- FDIC cert #
- 14722
- RSSD ID
- 390840
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $396.7M | $313.5M | $315.3M | $33.4M | $1.5M | 0.75% | 4.33% | 0.86% |
| Q1 2026 | $381.1M | $304.4M | $310.7M | $32.1M | $225K | 0.23% | 4.29% | 0.90% |
| Q4 2025 | $390.6M | $319.2M | $302.4M | $31.9M | $2.4M | 0.63% | 4.00% | 0.88% |
| Q3 2025 | $380.5M | $306.3M | $297.2M | $31.1M | $1.8M | 0.63% | 3.96% | 1.35% |
| Q2 2025 | $381.5M | $299.7M | $293.5M | $29.8M | $1.0M | 0.53% | 3.93% | 1.58% |
| Q1 2025 | $366.8M | $297.1M | $281.3M | $29.0M | $335K | 0.36% | 3.88% | 1.48% |
| Q4 2024 | $378.5M | $309.8M | $275.8M | $28.0M | $1.3M | 0.37% | 3.74% | 1.55% |
| Q3 2024 | $363.9M | $297.2M | $274.0M | $28.1M | $993K | 0.38% | 3.76% | 1.19% |
Loan mix (Q2 2026): real estate $260.1M · commercial $32.9M · consumer $7.3M · securities $31.8M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Union Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.75% | 1.24% | 23th | |
Return on equity Annualized net income ÷ equity or net worth | 9.0% | 11.9% | 33th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.33% | 3.96% | 70th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.5% | 62.9% | 79th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Union Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Union Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Union Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Union Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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