USAA Federal Savings Bank
Total assets
$106.19B
▼ -0.3% YoY
Deposits
$91.97B
▼ -0.9% YoY
Loans
$44.32B
▲ +5.0% YoY
Offices
5
UNITED SERVICES AUTOMOBILE ASSN
ROA (annualized)
0.90%
peers 1.23%
ROE (annualized)
17.44%
peers 11.23%
Peer comparison 160 banks with 10B+ in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.3% | +5.9% | -6.1 pts |
| Deposit growth (YoY) | -0.9% | +5.7% | -6.6 pts |
| Loan growth (YoY) | +5.0% | +6.9% | -2.0 pts |
| ROA | 0.90% | 1.23% | -0.3 pts |
| ROE | 17.4% | 11.2% | +6.2 pts |
ROA ranks in the 16th percentile of its peer group · Q2 2026
Profile
- Established
- 1983
- Charter
- OCC
- Primary regulator
- OCC
- Holding company
- UNITED SERVICES AUTOMOBILE ASSN
- Specialization
- All Other Over 1 Billion
- Address
- 1 Norterra Dr, Phoenix, AZ, 85085
- County
- Maricopa
- Metro area
- Phoenix-Mesa-Chandler, AZ
- Offices
- 5
- FDIC cert #
- 32188
- RSSD ID
- 619877
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $106.19B | $91.97B | $44.32B | $5.82B | $484.0M | 0.90% | 5.30% | 0.46% |
| Q1 2026 | $109.67B | $94.94B | $42.38B | $5.57B | $224.0M | 0.82% | 5.12% | 0.46% |
| Q4 2025 | $107.99B | $93.39B | $43.15B | $5.26B | $432.0M | 0.40% | 4.93% | 0.48% |
| Q3 2025 | $104.90B | $90.80B | $42.29B | $4.99B | $364.0M | 0.45% | 4.92% | 0.46% |
| Q2 2025 | $106.48B | $92.77B | $42.22B | $4.70B | $256.0M | 0.47% | 4.78% | 0.46% |
| Q1 2025 | $110.78B | $97.29B | $41.96B | $4.32B | $40.0M | 0.15% | 4.58% | 0.45% |
| Q4 2024 | $109.22B | $95.96B | $43.41B | $3.92B | $-110.0M | -0.10% | 4.29% | 0.47% |
| Q3 2024 | $110.32B | $95.41B | $42.98B | $4.37B | $65.0M | 0.08% | 4.25% | 0.43% |
Loan mix (Q2 2026): real estate $3.21B · commercial $0 · consumer $42.98B · securities $48.52B
Ratio pack Q2 2026 · peer medians from 160 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.90% | 1.23% | 16th | |
Return on equity Annualized net income ÷ equity or net worth | 17.4% | 11.3% | 85th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.30% | 3.55% | 92th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.2% | 54.9% | 90th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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