Union Bank: Bank Stress & Real-Estate Credit Exposure

Union Bank (FDIC Cert #14722) carries a DLRadar bank-stress score of 81/100, a severe reading of the credit and balance-sheet pressure weighing on the institution. The score is derived deterministically from the bank's public FDIC call-report financials — asset quality, capital adequacy, earnings and real-estate loan concentration — then weighted by where it actually lends.

Seven-day momentum reads stable. Direction is the tell: climbing stress signals credit pulling back, which shows up in forced sales months later. Because Union Bank is held under Union Financial Corp, its financials are open to scrutiny and its trend can be independently checked. Its footprint is compact and single-state: 87 ZIP codes in 5 counties over 1 states. The deepest footprints are Michigan (5 counties). Read against its 5-county reach, a severe score sets the credit tone for every market on its map. The Union Bank score updates as fresh FDIC call reports post each quarter, so its 81/100 reading and 5-county footprint reflect the current filing cycle rather than a dated snapshot — and because it uses the same model as every FDIC bank, Union Bank is directly comparable to any lender in the country. Its lending reaches counties such as Kent County, MI, Ionia County, MI, Eaton County, MI, Clinton County, MI, each tied back to DLRadar's distress signals. What separates this from a plain credit rating is the geographic weighting — Union Bank's 81/100 reading reflects not just its balance sheet but the 5 counties it lends into, so the score doubles as a map of where its stress will land first. DLRadar does not model Union Bank in isolation: the 87-ZIP footprint is cross-referenced against foreclosure filings, tax-lien activity and ownership churn in each of those 5 counties, so a shift in the bank's severe posture can be read directly against on-the-ground distress.

For buyers, lender stress is an early map of supply: when Union Bank pulls back, the counties it finances see stalled refinances, frozen construction credit, and owners sliding into distress. Watching lender stress is therefore an upstream, leading signal of where distressed inventory surfaces next.

Across the country DLRadar applies the identical model to every FDIC bank, then ties each institution to parcel-level foreclosure, lien and ownership data where it lends. The result is an early, auditable read on supply, every figure anchored to public data.