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United Bank Of Union

IDRSSD: 562058
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
67
/ 100
StableAs of 2024-Q3QoQ +6

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

Quarterly Headline

2024-Q3

Bank #562058 2024-Q3 Vital Signs Score: 67/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.20% of assets (threshold 3%).
  2. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.21% (govt-guarantees stripped).
  3. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 47.0% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q2 2024:
↑ +6 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↑ +19
  • Asset Quality
    ↑ +4
  • Reserves
    ↑ +3

The five pillars

Liquidity

StableQoQ -2
61
Sub-score

Liquidity is stable: brokered 9.7%, loans/deposits 96.0%, cash 1.2% of assets.

Cash / Assets
1.20%
Loans / Deposits
95.96%
Brokered %
9.73%

Watch Items

  • watchCash / Assets below 3% — Cash 1.20% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.17%
No watch items at this period.

Capitalization

WatchQoQ +19
60
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.58%, CET1 10.58%, leverage 8.96%.

Tier 1 RBC
10.58%
CET1
10.58%
Leverage
8.96%
No watch items at this period.

Asset Quality

StableQoQ +4
74
Sub-score

Asset quality is stable: Adjusted NPL 3.21%, Texas Ratio 24.9%, NCO YTD 0.06%.

Adjusted NPL
3.21%
Govt-guarantees stripped
Texas Ratio
24.9%
NCO YTD
0.06%
30-89 PD
0.40%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.21% (govt-guarantees stripped).

Reserves

WatchQoQ +3
41
Sub-score

Reserves are deteriorating: ALLL 1.52% of loans, coverage 48.0%, true coverage 47.0%.

ALLL / Loans
1.52%
Coverage
48.0%
True Loss Coverage
47.0%

Watch Items

  • infoALLL / NPL below 50% — Coverage 48.0% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 47.0% (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 19:13:05 UTC