Union Fs&La (FDIC #27767): Bank Stress & Real-Estate Credit Exposure

Union Fs&La (FDIC Cert #27767): bank stress 63/100, elevated, STABLE over 7 days.

Union Fs&La (#27767) lends in 3 counties across 2 states; Union Fs&La (#27767) reaches 89 ZIP codes: Illinois 2 counties, 43 ZIPs; Wisconsin 1 county, 46 ZIPs.

Union Fs&La (#27767) largest markets: Dane County, WI (46 branches, 46 ZIPs) (#27767), Henry County, IL (72 branches, 24 ZIPs) (#27767), Rock Island County, IL (42 branches, 21 ZIPs) (#27767).

Union Fs&La (#27767) reports $145.6 million in total assets; Union Fs&La (#27767) equity $23.7 million (16.3% of Union Fs&La (#27767) assets); Union Fs&La (#27767) domestic deposits $121.0 million; Union Fs&La (#27767) net income $181,000; Union Fs&La (#27767) return on assets 0.25%; Union Fs&La (#27767) return on equity 1.53%; Union Fs&La (#27767) net interest income $2.2 million; Union Fs&La (#27767) call report June 30, 2026.

Union Fs&La (#27767) noncurrent real-estate loans: none reported; Union Fs&La (#27767) net charge-offs on real estate 0.52%; Union Fs&La (#27767) residential charge-offs 9.30%.

Union Fs&La (#27767) net interest margin 3.28% against an eight-quarter Union Fs&La (#27767) average of 3.14% (Union Fs&La (#27767) compression -0.14 points); Union Fs&La (#27767) non-residential real estate 930.1% of equity; Union Fs&La (#27767) rate-exposure score 40/100, Union Fs&La (#27767) fixed-rate trap 40/100; Union Fs&La (#27767) risk type credit driven; Union Fs&La (#27767) rate regime rates elevated, Union Fs&La (#27767) snapshot October 19, 2026.

Union Fs&La (#27767) stress score moved from 64.8 on June 22, 2026 to 63.4 on October 19, 2026; Union Fs&La (#27767) ranged 63.4 to 64.8 over 116 snapshots.

Union Fs&La (#27767) alerts: 3 counties; top Union Fs&La (#27767) alert scores: Madison County, IL 41 (moderate); Milan County, IL 23 (low); Orion County, IL 23 (low).