The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

From Q2 2025 to Q2 2026, the score rose 12 points (41 → 53), mostly because the loan quality component improved by 32 points.

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size banks in Michigan

Yes. Union Bank is an FDIC-insured institution (FDIC certificate #14722). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 25.0% of deposits ($78.3M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 8.83%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 10.96% (benchmark: 10%).

Check how much of your own balance is covered

Union Bank lists 7 offices in 7 cities. Most locations:

• Ada, MI (1)
• Dimondale, MI (1)
• Grand Rapids, MI (1)
• Hastings, MI (1)
• Lake Odessa, MI (1)
• Mulliken, MI (1)
• Westphalia, MI (1)

All branch addresses and map

In 2025, Union Bank reported 71 home-loan applications under HMDA (LEI 2549003KE4TBG4N5AY60): 44 originated ($12,970,000 total), 12 denied, and 9 withdrawn or closed by the applicant. Its denial rate on decided applications was 19.4%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

Union Bank

Type

State-chartered bank

FDIC certificate #

14722

RSSD ID

390840

Primary regulator

FDIC

Holding company

Union Financial Corp

Established

January 1, 1934

Headquarters

670 Cascade West Pkwy Se, Grand Rapids, MI 49546

Website

www.ubmich.com

Employees

82