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USAA Federal Savings Bank

$10B-$250B Specialty: Other AZ FDIC cert 32188

Phoenix, AZ

5 branches across AZ · CO · MD · NY · TX

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 139 banks in the $10B-$250B peer group nationwide — 1 of 2 in AZ.
  • Deposits -0.9% year over year ($92.0B on the books).
  • Delinquency rate 1.11%.
  • Return on assets 0.90%.
  • Efficiency ratio 69.23% vs a 53.67% peer average.
  • Loan-to-deposit ratio 48.19% vs a 82.61% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

139 banks in the $10B-$250B peer group nationally 2 in AZ
View $10B-$250B leaderboard (AZ) →

USAA Federal Savings Bank has 2 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Revenue Diversifier: Top 40.0% in tier
  • + Net Interest Margin 1.38% above tier average

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 11.5% in tier
  • - ROA 0.49% below tier average
  • - Efficiency Ratio 15.56% above tier average
  • - Delinquency Rate 0.10% above tier average
Get updates when USAA Federal Savings Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (AZ) National Avg Tier Percentile
Total Assets ? $106.2B
-0.3% YoY -3.2% QoQ
+$62.6B $43.6B
-13.8% YoY
$17.4B
+6.1% YoY
$6.3B
+7.7% YoY
Top 8.6% in tier
Total Loans ? $44.3B
+5.0% YoY +4.6% QoQ
+$16.4B $28.0B
-8.6% YoY
$9.3B
+8.2% YoY
$3.2B
+9.4% YoY
83%
Total Deposits ? $92.0B
-0.9% YoY -3.1% QoQ
+$56.6B $35.4B
-14.0% YoY
$14.8B
+6.2% YoY
$4.9B
+7.3% YoY
Top 7.9% in tier
Return on Assets ? 0.90%
+90.6% YoY +8.9% QoQ
-0.49% 1.39%
+25.9% YoY
0.35%
+477.8% YoY
1.30%
+12.1% YoY
Bottom 14.4% in tier
Net Interest Margin ? 5.30%
+10.8% YoY +3.5% QoQ
+1.38% 3.92%
+8.9% YoY
3.96%
+2.3% YoY
3.95%
+4.9% YoY
Top 8.6% in tier
Efficiency Ratio ? 69.23%
-7.1% YoY -0.0% QoQ
+15.56% 53.67%
-1.9% YoY
81.56%
-13.3% YoY
70.05%
+2.5% YoY
Bottom 11.5% in tier
Delinquency Rate ? 1.11%
-3.6% YoY -7.2% QoQ
+0.10% 1.01%
-2.8% YoY
1.46%
+76.6% YoY
0.98%
+16.3% YoY
25%
Loan-to-Deposit Ratio ? 48.19%
+5.9% YoY +8.0% QoQ
-34.42% 82.61%
+3.1% YoY
84.92%
+5.8% YoY
79.03%
+2.3% YoY
Top 5.8% in tier
Non-Interest-Bearing Deposit Share ? 0.45%
+7.4% YoY +2.2% QoQ
-20.13% 20.58%
+4.9% YoY
24.29%
+4.4% YoY
21.98%
-0.6% YoY
Bottom 10.1% in tier
Nonperforming Asset Ratio ? 0.46%
+1.5% YoY +0.2% QoQ
-0.27% 0.73%
+5.8% YoY
1.10%
+71.6% YoY
0.69%
+15.8% YoY
54%
Tier 1 Capital Ratio ? 17.37%
+4.3% YoY +1.1% QoQ
+2.02% 15.35%
-0.4% YoY
14.82%
-13.7% YoY
17.09%
+0.8% YoY
Top 12.2% in tier
Non-Interest Income / Assets ? 0.93%
+3.7% YoY +112.8% QoQ
+0.43% 0.50%
+10.5% YoY
0.29%
-0.6% YoY
0.66%
+5.2% YoY
Top 9.4% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (AZ) National Avg Tier Percentile
Noninterest-Bearing 0.4%
0.0pp YoY
0.0pp QoQ
 -20.6pp 21.0% 24.3% 22.2% 7%
Brokered Deposits 0.0%
-0.2pp YoY
0.0pp QoQ
 -9.2pp 9.2% 7.6% 8.5% 6%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (AZ) National Avg Tier Percentile
C&I n/a n/a 17.2% 20.4% 12.5% n/a
CRE n/a n/a 42.0% 53.9% 41.4% n/a
1-4 Family 7.2%
+1.9pp YoY
+2.5pp QoQ
 -15.9pp 23.1% 22.4% 31.3% 13%
Consumer 97.0%
-1.9pp YoY
-2.7pp QoQ
 +84.1pp 12.9% 11.3% 5.0% 95%

Capital

Metric Current vs Tier Tier Avg State Avg (AZ) National Avg Tier Percentile
CET1 Ratio 16.9%
+0.7pp YoY
+0.2pp QoQ
 +1.6pp 15.3% 16.6% 19.7% 87%
Leverage Ratio 9.3%
+0.6pp YoY
+0.2pp QoQ
 -1.1pp 10.4% 11.4% 12.6% 23%
Total Capital Ratio 18.6%
+0.7pp YoY
+0.2pp QoQ
 +2.1pp 16.5% 17.8% 20.8% 87%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (AZ) National Avg Tier Percentile
Full-Time Employees 11,883
-1675 (-12.4%) YoY
-716 (-5.7%) QoQ
 +8,625 3,258 1,366 482 95%
Assets per Employee ($) $8.9M
+13.8% YoY
+2.7% QoQ
 -$18.1M $27.0M $9.6M $8.8M 21%
Branch Count 2
0 YoY
0 QoQ
 -136 137 6 18 15%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (AZ) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.4% 1.2% 0.4% n/a
Nonaccrual 1.1%
0.0pp YoY
-0.1pp QoQ
 +0.4pp 0.7% 1.5% 1.0% 86%
Allowance Coverage 3.84x
+4.2% YoY
+2.9% QoQ
 +1.03x 2.81x 2.94x 20.23x 87%
Net Charge-off Rate (YTD) 2.1%
0.0pp YoY
-0.1pp QoQ
 +1.7pp 0.4% 0.6% 0.2% 95%

Profitability

Metric Current vs Tier Tier Avg State Avg (AZ) National Avg Tier Percentile
ROE 17.4%
+5.6pp YoY
+0.9pp QoQ
 +4.8pp 12.6% 4.1% 11.6% 85%
Cost of Funds (YTD) 0.5%
-0.3pp YoY
0.0pp QoQ
 -1.5pp 2.0% 1.9% 1.7% 2%
Net Income ($, YTD) $484.0M
+89.1% YoY
— QoQ
 +$187.2M $296.8M $88.2M $40.4M 82%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Revenue Diversifier

growth
#15 of 35 • Top 40.0% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.93%
(Tier: 0.50%, National: 0.66%)
better than tier avg
Return on Assets: 0.90%
(Tier: 1.39%, National: 1.30%)
but worse than tier avg
35 of 35 Large banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (1)

Flatlined Growth

risk
#4 of 26 • Bottom 11.5% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.90%
(Tier: 1.39%, National: 1.30%)
worse than tier avg
26 of 26 Large banks match · 719 nationally
→ Stable +34 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 139 peers in $10B-$250B

Top Strengths (7 metrics)

9
Loan-to-Deposit Ratio
liquidity
Value: 48.19%
Peer Median: 82.61%
#9 of 139 Top 5.8% in $10B-$250B
12
Total Deposits
size
Value: $91.97B
Peer Median: $35.42B
#12 of 139 Top 7.9% in $10B-$250B
13
Total Assets
size
Value: $106.19B
Peer Median: $43.60B
#13 of 139 Top 8.6% in $10B-$250B
13
Net Interest Margin
profitability
Value: 5.30%
Peer Median: 3.92%
#13 of 139 Top 8.6% in $10B-$250B
14
Non-Interest Income / Assets
revenue_mix
Value: 0.93%
Peer Median: 0.50%
#14 of 139 Top 9.4% in $10B-$250B
18
Tier 1 Capital Ratio
capital
Value: 17.37%
Peer Median: 15.35%
#18 of 139 Top 12.2% in $10B-$250B
25
Total Loans
size
Value: $44.32B
Peer Median: $27.97B
#25 of 139 Top 17.3% in $10B-$250B

Top Weaknesses (4 metrics)

126
Non-Interest-Bearing Deposit Share
funding
Value: 0.45%
Peer Median: 20.58%
#126 of 139 Bottom 10.1% in $10B-$250B
124
Efficiency Ratio
profitability
Value: 69.23%
Peer Median: 53.67%
#124 of 139 Bottom 11.5% in $10B-$250B
120
Return on Assets
profitability
Value: 0.90%
Peer Median: 1.39%
#120 of 139 Bottom 14.4% in $10B-$250B
105
Delinquency Rate
credit_quality
Value: 1.11%
Peer Median: 1.01%
#105 of 138 Bottom 24.6% in $10B-$250B
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