USAA Federal Savings Bank
Phoenix, AZ · Cert 32188 · Peer group: banks over $10B in assets (n=142-144) · United Services Automobile Assn
State savings bank · OCC · 2 branches
Q2 2026
$106.2BAssets
$46.2BLoans
$92.0BDeposits
$5.8BEquity
Executive Summary
- Strongest standing: net interest margin outperforms 90% of banks over $10B in assets (rank 14 of 144).
- Widest gap: equity / assets trails 100% of banks over $10B in assets (rank 144 of 144).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.91%
Rank 118 of 144
Net Interest Margin
4.92%
Rank 14 of 144
Efficiency Ratio
69.23%
Rank 128 of 144
Equity / Assets
5.48%
Rank 144 of 144
Non-interest income vs. expense
Unfavorable gap of $3.0B · efficiency ratio beats 12% of banks over $10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.91% | 1.00% | 1.26% | 1.54% | Beats 18% | 118 / 144 | |
| Return on Equity | 16.63% | 8.98% | 11.34% | 14.40% | Beats 83% | 25 / 144 | |
| Net Interest Margin | 4.92% | 2.82% | 3.31% | 3.68% | Beats 90% | 14 / 144 | |
| Efficiency Ratio | 69.23% | 49.42% | 56.02% | 62.41% | Beats 12% | 128 / 144 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.07% | 0.48% | 0.73% | 1.07% | Beats 25% | 107 / 142 | |
| Net Charge-Offs / Loans | 1.29% | 0.05% | 0.11% | 0.22% | Beats 6% | 135 / 142 | |
| Capital |
| Tier 1 Capital Ratio | 17.37% | 12.07% | 12.98% | 14.92% | Beats 88% | 18 / 144 | |
| Total Risk-Based Capital Ratio | 18.65% | 13.39% | 14.14% | 16.25% | Beats 88% | 18 / 144 | |
| Equity / Assets | 5.48% | 9.69% | 11.39% | 12.96% | Beats 0% | 144 / 144 | |
| Liquidity & Funding |
| Loans / Deposits | 50.25% | 75.72% | 84.92% | 91.56% | 6th pctl | 135 / 143 | |
| Loans / Assets | 43.52% | 59.83% | 69.07% | 74.80% | 10th pctl | 130 / 144 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |