BlastPoint's Banking Scorecard
Union Bank
Grand Rapids, MI
9 branches across MI
Union Bank has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.36% above tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 23.9% in tier
- - Return on Assets 1.04% below tier average
- - Loan-to-Deposit Ratio 25.42% above tier average
- - Efficiency Ratio 13.24% above tier average
- - Delinquency Rate 0.22% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$381.1M
+3.9% YoY
-2.4% QoQ
|
-$5.0M |
$386.1M
+0.5% YoY
|
$993.6M
+8.4% YoY
|
$6.2B
+9.1% YoY
|
59% |
| Total Loans ? |
$310.7M
+10.4% YoY
+2.7% QoQ
|
+$55.0M |
$255.7M
+1.1% YoY
|
$752.3M
+12.4% YoY
|
$3.2B
+10.8% YoY
|
69% |
| Total Deposits ? |
$304.4M
+2.5% YoY
-4.6% QoQ
|
-$23.5M |
$328.0M
+0.1% YoY
|
$797.0M
+7.4% YoY
|
$4.8B
+8.2% YoY
|
55% |
| Return on Assets ? |
0.23%
-35.1% YoY
-62.9% QoQ
|
-1.04% |
1.27%
+12.9% YoY
|
1.15%
+25.2% YoY
|
1.23%
+13.4% YoY
|
Bottom 6.8% in tier |
| Net Interest Margin ? |
4.29%
+10.4% YoY
+7.2% QoQ
|
+0.36% |
3.93%
+6.0% YoY
|
3.99%
+5.8% YoY
|
3.89%
+5.7% YoY
|
72% |
| Efficiency Ratio ? |
78.52%
-10.3% YoY
-5.3% QoQ
|
+13.24% |
65.29%
-4.5% YoY
|
66.95%
-6.2% YoY
|
66.95%
-4.1% YoY
|
17% |
| Delinquency Rate ? |
1.10%
-42.9% YoY
-3.1% QoQ
|
+0.22% |
0.89%
+18.8% YoY
|
0.77%
+21.7% YoY
|
0.95%
+18.8% YoY
|
26% |
| Loan-to-Deposit Ratio ? |
102.06%
+7.8% YoY
+7.7% QoQ
|
+25.42% |
76.64%
+0.8% YoY
|
78.66%
+4.9% YoY
|
76.70%
+0.9% YoY
|
Bottom 6.7% in tier |
| Non-Interest-Bearing Deposit Share ? |
27.02%
-2.0% YoY
-9.2% QoQ
|
+5.00% |
22.02%
-1.0% YoY
|
24.69%
-2.1% YoY
|
22.01%
-1.2% YoY
|
73% |
| Nonperforming Asset Ratio ? |
0.90%
-39.3% YoY
+2.1% QoQ
|
+0.26% |
0.64%
+19.7% YoY
|
0.58%
+27.6% YoY
|
0.67%
+19.3% YoY
|
22% |
| Tier 1 Capital Ratio ? |
9.53%
-1.6% YoY
-0.3% QoQ
|
-6.30% |
15.83%
+1.5% YoY
|
20.91%
+0.5% YoY
|
17.06%
+0.8% YoY
|
Bottom 4.9% in tier |
| Non-Interest Income / Assets ? |
0.26%
-7.9% YoY
-78.1% QoQ
|
-0.02% |
0.28%
+9.3% YoY
|
0.19%
+5.8% YoY
|
0.32%
+4.1% YoY
|
Top 8.3% in tier |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (1)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.