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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-Q4

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

Synthesis

Vital Signs Score
64
/ 100
StableAs of 2024-Q4QoQ -2

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 #562058 2024-Q4 Vital Signs Score: 64/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 2.95% of loans.
  2. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.32% of assets (threshold 3%).
  3. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.67% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2024:
↓ -2 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↑ +3
  • Asset Quality
    ↓ -11
  • Reserves
    ↓ -3

The five pillars

Liquidity

StableQoQ +1
62
Sub-score

Liquidity is stable: brokered 8.2%, loans/deposits 96.3%, cash 1.3% of assets.

Cash / Assets
1.32%
Loans / Deposits
96.26%
Brokered %
8.15%

Watch Items

  • watchCash / Assets below 3% — Cash 1.32% 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

StableQoQ +3
63
Sub-score

Capital position is stable: Tier 1 RBC 10.91%, CET1 10.91%, leverage 8.80%.

Tier 1 RBC
10.91%
CET1
10.91%
Leverage
8.80%
No watch items at this period.

Asset Quality

StableQoQ -11
62
Sub-score

Asset quality is stable: Adjusted NPL 2.67%, Texas Ratio 21.0%, NCO YTD 2.95%.

Adjusted NPL
2.67%
Govt-guarantees stripped
Texas Ratio
21.0%
NCO YTD
2.95%
30-89 PD
0.38%
Band 0.3% / 3.0%
90+ PD
0.04%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.67% (govt-guarantees stripped).
  • riskNet charge-offs elevated — NCO YTD 2.95% of loans.

Reserves

RiskQoQ -3
38
Sub-score

Reserves are weak: ALLL 1.34% of loans, coverage 51.0%, true coverage 50.9%.

ALLL / Loans
1.34%
Coverage
51.0%
True Loss Coverage
50.9%
No watch items at this period.

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