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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.03% | -0.64% | 0.15% | 0.80% | 0.41% | 0.26% | 0.82% | 0.96% | +17 bps | |
| Return on Equity | 0.79% | -16.89% | 3.88% | 19.16% | 8.92% | 5.31% | 16.55% | 18.26% | -90 bps | |
| Net Interest Margin | 4.03% | 4.20% | 4.29% | 4.55% | 4.74% | 4.75% | 4.84% | 5.01% | +47 bps | |
| Efficiency Ratio | 79.41% | 94.89% | 77.63% | 71.53% | 77.70% | 77.25% | 69.24% | 69.22% | -231 bps | |
| Non-Interest Burden | 2.83% | 3.89% | 2.95% | 2.73% | 3.26% | 3.24% | 2.79% | 2.88% | +15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.82% | -1.04% | -2.85% | -4.69% | -4.91% | -1.13% | -1.00% | -0.27% | +442 bps | |
| Loan Growth (YoY) | 1.44% | 0.86% | -0.66% | -0.65% | -1.18% | -0.21% | 1.22% | 4.99% | +564 bps | |
| Deposit Growth (YoY) | -1.80% | -1.46% | -3.33% | -5.43% | -4.83% | -2.68% | -2.42% | -0.86% | +458 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.07% | 1.13% | 1.13% | 1.11% | 1.10% | 1.14% | 1.15% | 1.07% | -4 bps | |
| Net Charge-Offs / Loans | 1.86% | 2.06% | 2.22% | 2.02% | 1.93% | 2.04% | 2.20% | 1.96% | -6 bps | |
| Allowance / Loans | n/a | n/a | n/a | 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 | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.63% | 8.48% | 8.44% | 8.68% | 8.93% | 9.05% | 9.08% | 9.29% | +61 bps | |
| Total Risk-Based Capital | 17.74% | 17.57% | 17.63% | 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 | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 46.79% | 47.04% | 44.96% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |