BlastPoint's Banking Scorecard
USAA Federal Savings Bank
Phoenix, AZ
2 branches across AZ · TX
USAA Federal Savings Bank has 2 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 45.7% in tier
- + Net Interest Margin 1.34% above tier average
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 0.1% in tier
- - Credit Risk Growth: Bottom 1.5% in tier
- - Deposit Outflow: Bottom 44.4% in tier
- - ROA 0.46% below tier average
- - Efficiency Ratio 15.24% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$109.7B
-1.0% YoY
+1.6% QoQ
|
+$62.7B |
$47.0B
-1.9% YoY
|
$17.7B
+7.6% YoY
|
$6.2B
+9.1% YoY
|
Top 10.2% in tier |
| Total Loans ? |
$42.4B
+1.0% YoY
-1.8% QoQ
|
+$13.0B |
$29.4B
-0.4% YoY
|
$9.0B
+5.4% YoY
|
$3.2B
+10.8% YoY
|
82% |
| Total Deposits ? |
$94.9B
-2.4% YoY
+1.7% QoQ
|
+$56.5B |
$38.4B
-1.6% YoY
|
$15.1B
+6.7% YoY
|
$4.8B
+8.2% YoY
|
Top 9.5% in tier |
| Return on Assets ? |
0.82%
+466.0% YoY
+105.6% QoQ
|
-0.46% |
1.28%
+18.7% YoY
|
0.18%
+147.8% YoY
|
1.23%
+13.4% YoY
|
18% |
| Net Interest Margin ? |
5.12%
+11.8% YoY
+3.9% QoQ
|
+1.34% |
3.77%
+5.8% YoY
|
3.92%
+3.9% YoY
|
3.89%
+5.7% YoY
|
Top 7.3% in tier |
| Efficiency Ratio ? |
69.24%
-10.8% YoY
-8.9% QoQ
|
+15.24% |
54.01%
-3.7% YoY
|
84.95%
-15.7% YoY
|
66.95%
-4.1% YoY
|
Bottom 11.7% in tier |
| Delinquency Rate ? |
1.20%
+1.4% YoY
+0.8% QoQ
|
+0.18% |
1.02%
-3.8% YoY
|
1.32%
+84.0% YoY
|
0.95%
+18.8% YoY
|
21% |
| Loan-to-Deposit Ratio ? |
44.64%
+3.5% YoY
-3.4% QoQ
|
-36.15% |
80.79%
+1.9% YoY
|
80.55%
-0.2% YoY
|
76.70%
+0.9% YoY
|
Top 5.8% in tier |
| Non-Interest-Bearing Deposit Share ? |
0.44%
+10.2% YoY
+2.6% QoQ
|
-19.60% |
20.04%
+0.2% YoY
|
23.51%
-4.3% YoY
|
22.01%
-1.2% YoY
|
Bottom 12.4% in tier |
| Nonperforming Asset Ratio ? |
0.46%
+3.5% YoY
-2.7% QoQ
|
-0.26% |
0.72%
+4.2% YoY
|
0.94%
+70.0% YoY
|
0.67%
+19.3% YoY
|
56% |
| Tier 1 Capital Ratio ? |
17.18%
+5.0% YoY
+1.4% QoQ
|
+1.67% |
15.51%
-0.4% YoY
|
14.90%
-16.6% YoY
|
17.06%
+0.8% YoY
|
Top 13.1% in tier |
| Non-Interest Income / Assets ? |
0.44%
+5.4% YoY
-75.8% QoQ
|
+0.21% |
0.22%
+0.3% YoY
|
0.12%
+2.6% YoY
|
0.32%
+4.1% YoY
|
Top 8.8% in tier |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (1)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (3)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.