Bank Comparison
Usaa Federal Savings Bank vs Ally Bank
Two large branchless banks with distinct customer bases (auto-loan focus versus military-affiliated).
vs
14 · 10
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Usaa Federal Savings Bank | Ally Bank |
|---|---|---|
| CET1 Ratio | 16.69% | 12.38% |
| Tier 1 Capital Ratio | 17.18% | 12.38% |
| Total Capital Ratio | 18.46% | 13.65% |
| Tier 1 Leverage Ratio | 9.08% | 9.72% |
| Equity / Assets | 5.08% | 8.28% |
Profitability
| Metric | Usaa Federal Savings Bank | Ally Bank |
|---|---|---|
| Return on Assets (ROA) | 0.85% | 1.11% |
| Return on Equity (ROE) | 16.55% | 13.39% |
| Net Interest Margin (NIM) | 4.99% | 3.96% |
| Yield on Earning Assets | 5.44% | 7.08% |
| Cost of Funds | 0.46% | 3.20% |
Asset quality
| Metric | Usaa Federal Savings Bank | Ally Bank |
|---|---|---|
| Texas Ratio | 7.15% | 11.23% |
| Non-Performing Loan Ratio | 1.21% | 1.52% |
| Non-Performing Asset Ratio | 0.49% | 1.14% |
| Net Charge-Off Ratio | 2.20% | 1.21% |
| ACL / Loans | 4.28% | 2.53% |
Balance sheet
| Metric | Usaa Federal Savings Bank | Ally Bank |
|---|---|---|
| Total Assets | $109,670M | $185,664M |
| Total Deposits | $94,938M | $156,225M |
| Total Loans | $44,277M | $140,032M |
| Total Equity | $5,571M | $15,378M |
| Net Income (quarter) | $224,000K | $513,000K |
Liquidity & funding
| Metric | Usaa Federal Savings Bank | Ally Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 46.64% | 89.63% |
| Core Deposit Ratio | 99.08% | 96.20% |
| Uninsured Deposit Ratio | 5.38% | 10.85% |
Identity
| Metric | Usaa Federal Savings Bank | Ally Bank |
|---|---|---|
| Headquarters City | PHOENIX | SANDY |
| Headquarters State | AZ | UT |
| Asset Tier | National | National |
| Charter Class | 707975 | 0 |
| Regulator | OCC | FED |
| Domestic Branches | 2 | 1 |
| Employees (FTE) | 12,599 | 9,128 |
| Established | Dec. 30, 1983, midnight | Aug. 2, 2004, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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