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Union Bank

IDRSSD: 235231
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
84
/ 100
StrongAs of 2024-Q4QoQ -3

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q4

Bank #235231 2024-Q4 Vital Signs Score: 84/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

Liquidity:Strong
Securities:Strong
Capitalization:Strong
Asset Quality:Strong
Reserves:Risk

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 28.0% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q3 2024:
↓ -3 ptscomposite
  • Liquidity
    ↓ -5
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -4
  • Reserves
    ↓ -9

The five pillars

Liquidity

StrongQoQ -5
92
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 39.3%, cash 6.2% of assets.

Cash / Assets
6.21%
Loans / Deposits
39.29%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 17.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
17.44%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 21.99%, CET1 21.99%, leverage 10.96%.

Tier 1 RBC
21.99%
CET1
21.99%
Leverage
10.96%
No watch items at this period.

Asset Quality

StrongQoQ -4
89
Sub-score

Asset quality is strong: Adjusted NPL 0.80%, Texas Ratio 2.6%, NCO YTD 0.01%.

Adjusted NPL
0.80%
Govt-guarantees stripped
Texas Ratio
2.6%
NCO YTD
0.01%
30-89 PD
1.60%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -9
25
Sub-score

Reserves are weak: ALLL 0.87% of loans, coverage 108.9%, true coverage 28.0%.

ALLL / Loans
0.87%
Coverage
108.9%
True Loss Coverage
28.0%

Watch Items

  • watchTrue Loss Coverage Ratio below 50% — True coverage 28.0% (Adjusted NPL + Performing Mods denominator).

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-14 13:15:45 UTC