Phoenix, AZ · Cert 32188 · United Services Automobile Assn
State savings bank · OCC · 2 branches
Q2 2026
Market Position · San Antonio-New Braunfels, TX · 2026 SOD (annual) · 52.5% share · #1 of 66 inst. · $92.0B of $175.0B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.47% | 0.45% | 0.40% | 0.82% | 0.90% | +43 bps | |
| Return on Equity | 11.87% | 10.83% | 9.32% | 16.55% | 17.44% | +557 bps | |
| Net Interest Margin | 4.44% | 4.60% | 4.66% | 4.84% | 4.92% | +48 bps | |
| Efficiency Ratio | 74.49% | 75.59% | 76.02% | 69.24% | 69.23% | -526 bps | |
| Non-Interest Burden | 2.86% | 3.03% | 3.10% | 2.79% | 2.83% | -2 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.69% | -4.91% | -1.13% | -1.00% | -0.27% | +442 bps | |
| Loan Growth (YoY) | -0.65% | -1.18% | -0.21% | 1.22% | 4.99% | +564 bps | |
| Deposit Growth (YoY) | -5.43% | -4.83% | -2.68% | -2.42% | -0.86% | +458 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.11% | 1.10% | 1.14% | 1.15% | 1.07% | -4 bps | |
| Net Charge-Offs / Loans | 2.11% | 2.05% | 2.02% | 2.20% | 2.03% | -8 bps | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.68% | 8.93% | 9.05% | 9.08% | 9.29% | +61 bps | |
| Total Risk-Based Capital | 17.93% | 18.11% | 18.22% | 18.46% | 18.65% | +72 bps | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Deposits | 47.45% | 48.59% | 48.23% | 46.64% | 50.25% | +280 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |