Bank Comparison
USAA Federal Savings Bank vs Synchrony Bank
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At Q2 2026, Synchrony Bank is the larger bank, with $115.22B in total assets to USAA Federal Savings Bank's $106.19B; USAA Federal Savings Bank has the higher CET1 ratio (16.89% vs 14.35%) and Synchrony Bank has the higher return on assets (3.07% vs 0.98%).
vs
10 · 7
winning metrics across 17 scored rows
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Capital adequacy
| Metric | USAA Federal Savings Bank | Synchrony Bank |
|---|---|---|
| CET1 Ratio | 16.89% | 14.35% |
| Tier 1 Capital Ratio | 17.37% | 14.35% |
| Total Capital Ratio | 18.65% | 16.46% |
| Tier 1 Leverage Ratio | 9.29% | 12.56% |
| Equity / Assets | 5.48% | 12.90% |
Profitability
| Metric | USAA Federal Savings Bank | Synchrony Bank |
|---|---|---|
| Return on Assets (ROA) | 0.98% | 3.07% |
| Return on Equity (ROE) | 18.26% | 23.80% |
| Net Interest Margin (NIM) | 5.17% | 11.75% |
| Yield on Earning Assets | 5.61% | 14.83% |
| Cost of Funds | 0.46% | 3.87% |
Asset quality
| Metric | USAA Federal Savings Bank | Synchrony Bank |
|---|---|---|
| Texas Ratio | 5.13% | 8.28% |
| Non-Performing Loan Ratio | 1.07% | 2.04% |
| Non-Performing Asset Ratio | 0.46% | 1.75% |
| Net Charge-Off Ratio | 2.01% | 5.50% |
| ACL / Loans | 4.10% | 10.18% |
Balance sheet
| Metric | USAA Federal Savings Bank | Synchrony Bank |
|---|---|---|
| Total Assets | $106.19B | $115.22B |
| Total Deposits | $91.97B | $85.97B |
| Total Loans | $46.22B | $98.76B |
| Total Equity | $5.82B | $14.86B |
| Net Income (quarter) | $260.0M | $879.0M |
Liquidity & funding
| Metric | USAA Federal Savings Bank | Synchrony Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 50.25% | 114.88% |
| Core Deposit Ratio | 99.06% | 81.75% |
| Uninsured Deposit Ratio | 5.19% | 11.92% |
Identity
| Metric | USAA Federal Savings Bank | Synchrony Bank |
|---|---|---|
| Headquarters City | Phoenix | Draper |
| Headquarters State | AZ | UT |
| Asset Tier | $100B to $250B in assets | $100B to $250B in assets |
| Regulator | OCC | OCC |
| Domestic Branches | 2 | 1 |
| Employees (FTE) | 11,883 | 9,671 |
| Established | December 30, 1983 | August 1, 1988 |
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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 June 30, 2026. 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. Size and identity rows (assets, deposits, loans, equity, branches, employees) are shown for context and are not scored, and two values that match at the precision shown count as a tie.
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