🏦Bank Scorer

UNION BANK

GRAND RAPIDS, MI · Supervised by FDIC

Est. 1934FDIC #14,722RSSD: FDIC-14722
Part ofUNION FINANCIAL CORP→ View all charters
Needs to Improve Down

Current rating · Exam: July 2024

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At a Glance

Community Lending (CRA)

Needs to Improve

Has deficiencies in community lending that regulators have identified

Financial Health

Adequate

ROA 0.23%

Institution Profile

FDIC BankFind

Address

670 Cascade West Pkwy Se, GRAND RAPIDS, MI

County

Kent County

Established

January 1, 1934

Total Assets

$381M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Needs to Improve

Has deficiencies in community lending that regulators have identified

Exam Date

July 1, 2024

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Jul 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$381M

Total Deposits

$304M

Net Loans

$311M

Net Income

$225K

ROA

0.23%

ROE

2.81%

Risk-Based Capital

10.78%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

8

Branch Deposits

$300M

1-Year Change

0

5-year net change: +1 branches

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

7 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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