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-Q4

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

Synthesis

Vital Signs Score
65
/ 100
StableAs of 2024-Q4QoQ 0

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 #390840 2024-Q4 Vital Signs Score: 65/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 45.8% (Adjusted NPL + Performing Mods denominator).
  2. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.22%.
  3. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.13% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2024:
↓ 0 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↓ 0
  • Reserves
    ↓ -3

The five pillars

Liquidity

StableQoQ +3
76
Sub-score

Liquidity is stable: brokered 1.3%, loans/deposits 89.0%, cash 3.8% of assets.

Cash / Assets
3.82%
Loans / Deposits
89.03%
Brokered %
1.29%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.08%
No watch items at this period.

Capitalization

WatchQoQ -2
45
Sub-score

Capital position is deteriorating: Tier 1 RBC 9.52%, CET1 9.52%, leverage 8.19%.

Tier 1 RBC
9.52%
CET1
9.52%
Leverage
8.19%
No watch items at this period.

Asset Quality

StableQoQ 0
70
Sub-score

Asset quality is stable: Adjusted NPL 2.13%, Texas Ratio 17.4%, NCO YTD 0.00%.

Adjusted NPL
2.13%
Govt-guarantees stripped
Texas Ratio
17.4%
NCO YTD
0.00%
30-89 PD
1.06%
Band 0.3% / 3.0%
90+ PD
1.22%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.13% (govt-guarantees stripped).
  • info90+ days past due elevated — 90+ PD 1.22%.

Reserves

RiskQoQ -3
38
Sub-score

Reserves are weak: ALLL 1.32% of loans, coverage 62.6%, true coverage 45.8%.

ALLL / Loans
1.32%
Coverage
62.6%
True Loss Coverage
45.8%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 45.8% (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