BlastPoint's Banking Scorecard
Union Bank
Micro
Specialty: Commercial
MI
FDIC cert 14722
Designations: ✓ Community bank
Grand Rapids, MI
2498
banks in Micro tier nationally
41 in MI
View Micro leaderboard (MI) →
Union Bank demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 0.63% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$390.6M
+3.2% YoY
+2.6% QoQ
|
+$173.1M |
$217.5M
+2.3% YoY
|
$973.2M
+11.1% YoY
|
$5.9B
+6.5% YoY
|
Top 13% in tier |
| Total Loans ? |
$302.4M
+9.6% YoY
+1.7% QoQ
|
+$163.3M |
$139.2M
+2.8% YoY
|
$732.6M
+14.8% YoY
|
$3.1B
+8.5% YoY
|
Top 7% in tier |
| Total Deposits ? |
$319.2M
+3.0% YoY
+4.2% QoQ
|
+$135.6M |
$183.7M
+1.8% YoY
|
$781.1M
+10.4% YoY
|
$4.7B
+6.3% YoY
|
85% |
| Return on Assets ? |
0.63%
+69.4% YoY
-0.2% QoQ
|
-0.46% |
1.08%
+14.7% YoY
|
1.09%
+9.6% YoY
|
1.12%
+15.6% YoY
|
24% |
| Net Interest Margin ? |
4.00%
+7.1% YoY
+1.1% QoQ
|
+0.15% |
3.85%
+6.6% YoY
|
3.97%
+7.8% YoY
|
3.75%
+7.1% YoY
|
58% |
| Efficiency Ratio ? |
82.93%
-5.7% YoY
-0.9% QoQ
|
+15.20% |
67.73%
-4.8% YoY
|
66.94%
-3.1% YoY
|
65.09%
-5.1% YoY
|
16% |
| Delinquency Rate ? |
1.14%
-46.6% YoY
-33.9% QoQ
|
+0.50% |
0.64%
+24.4% YoY
|
0.80%
+62.9% YoY
|
0.66%
+20.3% YoY
|
26% |
| Loan-to-Deposit Ratio ? |
94.74%
+6.4% YoY
-2.4% QoQ
|
+20.21% |
74.53%
+0.5% YoY
|
78.71%
+2.4% YoY
|
78.04%
+0.7% YoY
|
Bottom 15% in tier |
| Non-Interest-Bearing Deposit Share ? |
29.76%
-12.4% YoY
+12.9% QoQ
|
+7.37% |
22.39%
-1.3% YoY
|
25.17%
-2.2% YoY
|
21.79%
-1.3% YoY
|
79% |
| Nonperforming Asset Ratio ? |
0.88%
-43.3% YoY
-34.5% QoQ
|
+0.43% |
0.45%
+25.1% YoY
|
0.57%
+48.1% YoY
|
0.48%
+20.8% YoY
|
23% |
| Tier 1 Capital Ratio ? |
9.56%
-0.1% YoY
-0.7% QoQ
|
+0.71% |
8.85%
-3.4% YoY
|
9.37%
-0.1% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
1.19%
+5.7% YoY
+28.3% QoQ
|
+0.63% |
0.56%
+0.3% YoY
|
0.78%
-0.1% YoY
|
0.65%
+0.6% YoY
|
Top 6% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 6%
in Micro
Why this stands out
Current:
1.19%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
94
94th pctile
Non-Interest Income / Assets
Current: 1.19% · Tier avg: 0.56%
93
93th pctile
Total Loans
Current: $302.4M · Tier avg: $139.2M
87
87th pctile
Total Assets
Current: $390.6M · Tier avg: $217.5M
85
85th pctile
Total Deposits
Current: $319.2M · Tier avg: $183.7M
79
79th pctile
Non-Interest-Bearing Deposit Share
Current: 29.76% · Tier avg: 22.39%
58
58th pctile
Net Interest Margin
Current: 4.00% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 9.56% · Tier avg: 8.85%
26
26th pctile
Delinquency Rate
Current: 1.14% · Tier avg: 0.64%
24
24th pctile
Return on Assets
Current: 0.63% · Tier avg: 1.08%
23
23th pctile
Nonperforming Asset Ratio
Current: 0.88% · Tier avg: 0.45%
16
16th pctile
Efficiency Ratio
Current: 82.93% · Tier avg: 67.73%
15
15th pctile
Loan-to-Deposit Ratio
Current: 94.74% · Tier avg: 74.53%
Top Weaknesses
15
15th pctile
Loan-to-Deposit Ratio
Current: 94.74% · Tier avg: 74.53%
16
16th pctile
Efficiency Ratio
Current: 82.93% · Tier avg: 67.73%
23
23th pctile
Nonperforming Asset Ratio
Current: 0.88% · Tier avg: 0.45%
24
24th pctile
Return on Assets
Current: 0.63% · Tier avg: 1.08%
26
26th pctile
Delinquency Rate
Current: 1.14% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 9.56% · Tier avg: 8.85%
58
58th pctile
Net Interest Margin
Current: 4.00% · Tier avg: 3.85%
79
79th pctile
Non-Interest-Bearing Deposit Share
Current: 29.76% · Tier avg: 22.39%
85
85th pctile
Total Deposits
Current: $319.2M · Tier avg: $183.7M
87
87th pctile
Total Assets
Current: $390.6M · Tier avg: $217.5M
93
93th pctile
Total Loans
Current: $302.4M · Tier avg: $139.2M
94
94th pctile
Non-Interest Income / Assets
Current: 1.19% · Tier avg: 0.56%