Visbanking Logo
Skip to main content

Union Bank

IDRSSD: 390840
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
73
/ 100
StableAs of 2024-Q2QoQ -7

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

Quarterly Headline

2024-Q2

Bank #390840 2024-Q2 Vital Signs Score: 73/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

Liquidity:Stable
Securities:Strong
Capitalization:Watch
Asset Quality:Strong
Reserves:Watch

Top 3 Watch Items

  1. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 43.5% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q1 2024:
↓ -7 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↓ -12
  • Asset Quality
    ↓ -7
  • Reserves
    ↓ -14

The five pillars

Liquidity

StableQoQ +1
73
Sub-score

Liquidity is stable: brokered 2.4%, loans/deposits 92.1%, cash 3.5% of assets.

Cash / Assets
3.52%
Loans / Deposits
92.09%
Brokered %
2.44%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.77%
No watch items at this period.

Capitalization

WatchQoQ -12
48
Sub-score

Capital position is deteriorating: Tier 1 RBC 9.81%, CET1 9.81%, leverage 8.03%.

Tier 1 RBC
9.81%
CET1
9.81%
Leverage
8.03%
No watch items at this period.

Asset Quality

StrongQoQ -7
93
Sub-score

Asset quality is strong: Adjusted NPL 0.74%, Texas Ratio 5.9%, NCO YTD 0.05%.

Adjusted NPL
0.74%
Govt-guarantees stripped
Texas Ratio
5.9%
NCO YTD
0.05%
30-89 PD
0.02%
Band 0.3% / 3.0%
90+ PD
0.65%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -14
58
Sub-score

Reserves are deteriorating: ALLL 1.25% of loans, coverage 171.7%, true coverage 43.5%.

ALLL / Loans
1.25%
Coverage
171.7%
True Loss Coverage
43.5%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 43.5% (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 19:44:56 UTC