# MUFG UNION BANK NA
SAN FRANCISCO, CA · FDIC certificate 22826 · asset band $10-100B · latest filing 2023-03 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 5 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $99.96B | |
| Deposits | $70.89B | |
| Loans and leases | $52.51B | |
| Total equity | $15.46B | |
| Loans / deposits | 72.86% (p21 of band) | 83.84% |
| Liquid assets / assets | 37.16% (p85 of band) | |
| Uninsured deposits / deposits | 50.59% (p85 of band) | 38.00% |
| Brokered deposits | 2.02% | |
| Wholesale funding | 13.48% (p58 of band) | |
| FHLB advances / assets | 10.90% | |
| Tier 1 leverage | 11.60% (p89 of band) | 9.77% |
| Unrealized securities loss / equity | 0.14% (p100 of band) | -17.48% |
| AOCI / equity | 0.36% (p22 of band) | |
| ROA (annualized) | 1.13% (p52 of band) | 1.11% |
| Net interest margin | 4.08% (p86 of band) | 3.40% |
| Efficiency ratio | 53.34% (p46 of band) | |
| Noncurrent loans | 0.96% (p89 of band) | 0.37% |
| Net charge-offs (annualized) | 0.50% (p95 of band) | |
| Reserve coverage of noncurrent | 171.93% | |
| Real estate % of loans | 81% | |
| Construction % of loans | 8.18% (p19 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $440.0M (3% of equity) (p51 of band) | |
| Deposits YoY | -28.3% | |
| Employees | 6663 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **charge-offs p90** (`aq_nco`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 2 | wholesale funding >15% |  |
| 2011-09 | 1 |  | wholesale funding >15% |
| 2011-12 | 3 | wholesale funding >15%, capital falling |  |
| 2012-03 | 3 |  |  |
| 2012-06 | 1 |  | wholesale funding >15%, capital falling |
| 2012-09 | 1 | expense ratio p90 | reserve under noncurrent |
| 2012-12 | 1 |  |  |
| 2013-03 | 3 | capital falling, reserve under noncurrent |  |
| 2013-06 | 4 | uninsured deposits >50% |  |
| 2013-09 | 4 |  |  |
| 2013-12 | 3 |  | capital falling |
| 2014-03 | 3 |  |  |
| 2014-06 | 2 |  | expense ratio p90 |
| 2014-09 | 2 | expense ratio p90 | reserve under noncurrent |
| 2014-12 | 1 |  | expense ratio p90 |
| 2015-03 | 3 | capital falling, expense ratio p90 |  |
| 2015-06 | 2 |  | capital falling |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 4 | capital falling, reserve under noncurrent |  |
| 2016-06 | 4 | wholesale funding >15% | capital falling |
| 2016-09 | 3 |  | wholesale funding >15% |
| 2016-12 | 2 |  | expense ratio p90 |
| 2017-03 | 3 | expense ratio p90 |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 3 | wholesale funding >15% | reserve under noncurrent |
| 2018-06 | 3 |  |  |
| 2018-09 | 2 |  | uninsured deposits >50% |
| 2018-12 | 3 | reserve under noncurrent |  |
| 2019-03 | 4 | capital falling |  |
| 2019-06 | 4 |  |  |
| 2019-09 | 5 | losing money |  |
| 2019-12 | 4 | uninsured deposits >50% | reserve under noncurrent, capital falling |
| 2020-03 | 6 | NIM <2.5%, loans-to-lenders >50% equity |  |
| 2020-06 | 6 | capital falling | loans-to-lenders >50% equity |
| 2020-09 | 5 | loans-to-lenders >50% equity | wholesale funding >15%, capital falling |
| 2020-12 | 5 |  |  |
| 2021-03 | 4 |  | losing money |
| 2021-06 | 4 |  |  |
| 2021-09 | 4 |  |  |
| 2021-12 | 4 |  |  |
| 2022-03 | 6 | deposits shrinking, assets shrinking |  |
| 2022-06 | 5 |  | NIM <2.5% |
| 2022-09 | 5 |  |  |
| 2022-12 | 6 | losing money, NIM <2.5%, uninsured deposits leaving | expense ratio p90, loans-to-lenders >50% equity |
| 2023-03 | 5 | charge-offs p90 | losing money, NIM <2.5% |

## In the news (Google News, unfiltered, newest first; check the city)

- 2022-10-13 [U.S. Bancorp, MUFG Union Bank Announce Sale of 3 Calif. Branches to HomeStreet - U.S. Bank](https://news.google.com/rss/articles/CBMi3gFBVV95cUxQdkVTanhNSWRsbGJSbUNRSXZFWE9Vd3FydS13SXVEMzQ2dFhwNXI2MkpEY3R5TzRDX0VJSDlyZjdDZ05IOERha0g1c0RhZllmV2pWajVseXpHZDM1dkZmdnl1NUFaaWhVVHBYNkx2N3ZqOXc5X1BSQXdUMXBycVU3TGo5Z3pBUkloUTFIMm4zY0lWSmM5QVFzTWdWbDZGZ3hxMG9BczQ2SzVzVGNQUGdpRlpaMlhnY05ROVlNYnExaWx2Q1c4Y1RRODQ0ZU1DN1lXQ3RMcHJrYzBwdEdJUVE?oc=5) · U.S. Bank
- 2021-09-21 [U.S. Bancorp to Acquire MUFG Union Bank - Business Wire](https://news.google.com/rss/articles/CBMinAFBVV95cUxOS2g5eDk0NHVnNmZxRWx4RExfdkRUN2pXYnZoRzRtV3ZteGtpc3lTMnRnRXJod1JnSzdMT2M1bG12VXNOSW5rOTJGd1NONTZlVTRKWkhJa1U4VE95SnNCSFdidGhzLVFQYTVGOWQxM3U1TFMzS0xnN1QxTndIZThoVnZRVk1xT1FOYzNtZWR0SHdjakNNd2Y4akQyS1E?oc=5) · Business Wire
- 2022-12-01 [MUFG completes sale of MUFG Union Bank, N.A. to U.S. Bancorp - PR Newswire](https://news.google.com/rss/articles/CBMisAFBVV95cUxPODJLaldubC1OZFRWMnBQc19jQWJpbXY3dXJkaVJvYWIzR3RkTV9jcWI3RmtSTVpQVzlKX25hZGxPRFRFdmtYOVV1c3FlYnhqeS1JbmZHRkZ6S01kZWl0aDB4UmItYTI1czAyMXZOeFZjRkJEcVJpOGlwaE9ndzRkeWluTjdKOTlRTG9pTW9DbEp1UmhUODBONEwyVnUwVjVIYUN3c3V3c0Nxd0thY1hqNg?oc=5) · PR Newswire
- 2021-09-30 [End of Era With Acquisition of MUFG Union Bank - Rafu Shimpo](https://news.google.com/rss/articles/CBMifEFVX3lxTE1FZUxNYUk1MERVMHdDdTktVVozUXNYWDBZVm15d2Z3ek1YY2JISUxMN2ZjN1NpUjlTeWJBM090RTlfQXpkcENkM0oyWTFsY2lOMXZINmExZ0l4bWJvNzRSa1hWelVPLS1rR3A2T1dXdVpqOV9vWElwTDZ4aGg?oc=5) · Rafu Shimpo
- 2018-06-15 [Union Bank Donates $50,000 To Defy Ventures to Start the “CEO of Your New Life” Program at Richard J. Donovan Correctional Facility - The San Diego Voice & Viewpoint](https://news.google.com/rss/articles/CBMi4gFBVV95cUxQeE9NNEtxelZBVVJESTNVZFJibTNjZjlZSi03ZHJ2MFdiX2dmZmVVVEZZZ1VCNjNJRFBtOHhJSnN1d3otVF9FWmhEcFRHQkJXQkt3QWhHeFdEMmROaW9TT0pSMjNRaGkwWk9QRGgyell3aGdrY1Z6M1FCMGh4ZkFwSS1rYngtVVdUamVKZWFLNlBVaGFaQzdlM3NCOW1IallDR3lLMWktQUNaSElneXR4eDhIVUFtaFd0UGpwNWRRUTAtaF9nQUdsZW8tWkkweXRaQ0FmdVRJX2RnaG9MY2gwanBn?oc=5) · The San Diego Voice &amp; Viewpoint
- 2021-02-24 [Rob Swanson Joins MUFG Union Bank as Northern California Market President for Commercial Banking - PR Newswire](https://news.google.com/rss/articles/CBMi5wFBVV95cUxOWnhIRjNtZEdQdGU3UThROUhrREpwV1Y5RFBVYXRKN2JzT2tHeFdFRWFoQjZsZUhBNmRhQ1NHdnJhZWdnbTVjOFdJYlJLWE4za3pTalRLblV6TWtPM09CTGNBQ3JTS0pydFd3akhlaWdZSjhCc1BqWUJQcTF2UEhMdnV2cGZoeXd3YTZmOXFuNlJSTTlLdHFCVkJkZlNpSkg5VjVoMHV0Nm1iVFpBX1NEUHlKQ2U4ZGowajVWYUdTMTc2eXBaNDFvVF81MExSQXlqMGZCZ21EZWVnU3hxSXM2cWpzYjRHYmM?oc=5) · PR Newswire
- 2019-01-08 [MUFG Union Bank Completes the Acquisition of Intrepid Investment Bankers to Expand its Middle Market Banking Services - PR Newswire](https://news.google.com/rss/articles/CBMigwJBVV95cUxNSjNGcU5CSlZhY2FmV01HSTZ5WVdEUXY3R3g2LWRITTNUOE51bzZhNFhSWlRzeGFtSXZXWU1EYk9udVdhNFpKSjluTTNsWEl3VVZWMVdoRlJfSHRnUzZsNkNTYWJRdllPaHJvcDNqTDVMQWdDeUlLQXk2NnloVXNCR3BkV2dWT25TZl9SWkhZaWlSWEZldEVRdlludHVSX0VXVmJzYXJBS0tZdk9lVjQ3Vzk0Tmh5dzR2MGgwZkloYWd2ZUlQQ3hKRGkybnlidzkzR1NmVHJPVGJJLXBhSXVSZ0tSZkxpSmFWamhVZ0NjMWNyWFZ4eV94Y1JCVXBvSmtXZ25j?oc=5) · PR Newswire
- 2019-11-14 [Sandy Walia to Lead Branch Banking in Northern California and the Pacific Northwest - PR Newswire](https://news.google.com/rss/articles/CBMi1gFBVV95cUxQOVpKaHFFY1VpZjl5dFZsbmIySFpkNjZ2bDFPSHJqa29Fc0JmT1MtX1I5OTFEUE40SFBZVE4xc3ZPaHEyTVRieXZQM1VLZ25FR0V1UEFZdllVS25wRlFyZDlyeUxNRC1aRHNMUEk2UmhyUlVqem5zZTdRUnFWSDVFbjJEUERHVjdQNGh4QTdVek90QWduNzNOSUpnYkFXc0FqXzAwN0NRdXpQeHFtbGUyWXJMUXNEeXZUb01pQTd0c2JVV2FBVVdqSmdNS1c5X2xUTEc1YjRn?oc=5) · PR Newswire

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=22826 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/42.json (key "22826", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide