USAA Federal Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks USAA Federal Savings Bank of Phoenix, AZ against its peer group of 14 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.98% | 1.59% | -0.61% | 0th bottom |
| ROAE | 18.26% | 16.26% | +2.00% | 77th top |
| Net Interest Margin | 5.17% | 3.99% | +1.18% | 85th top |
| Efficiency Ratio | 69.22% | 55.57% | +13.65% | 15th bottom |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 2.13% | 2.58% | -0.45% | 62nd above |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.61% | 6.32% | -0.71% | 69th above |
| Cost of Funds | 0.46% | 2.47% | -2.01% | 100th top |
| Net Interest Spread | 5.16% | 3.42% | +1.74% | 85th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.13% | 1.37% | -0.24% | 54th above |
| NPA / Total Assets | 0.49% | 0.88% | -0.39% | 77th top |
| NCO / Avg Loans | 2.01% | 0.81% | +1.20% | 15th bottom |
| ACL / Total Loans | 4.10% | 1.92% | +2.18% | 92nd top |
| ACL / NPLs (Coverage) | 362.14% | 165.27% | +196.87% | 92nd top |
| Texas Ratio | 6.78% | 9.97% | -3.19% | 69th above |
| Provision / NCO | 98.29% | 112.02% | -13.73% | 45th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 16.89% | 13.63% | +3.26% | 85th top |
| Tier 1 Ratio | 17.37% | 13.74% | +3.63% | 77th top |
| Total Capital Ratio | 18.65% | 15.36% | +3.29% | 77th top |
| Leverage Ratio | 9.29% | 9.53% | -0.24% | 31st below |
| Equity / Assets | 5.48% | 10.19% | -4.71% | 0th bottom |
| TCE / Tangible Assets | 5.22% | 8.81% | -3.59% | 0th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 50.25% | 77.65% | -27.40% | 85th top |
| Core Deposit Ratio | 99.06% | 83.95% | +15.11% | 100th top |
| Uninsured Deposit Ratio | 5.19% | 37.66% | -32.47% | 100th top |
| Wholesale Funding Ratio | 5.94% | 6.54% | -0.60% | 54th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.27% | 11.06% | -11.33% | 0th bottom |
| Loan Growth (Y/Y) | 4.99% | 12.64% | -7.65% | 38th below |
| Deposit Growth (Y/Y) | -0.86% | 11.15% | -12.01% | 0th bottom |
See USAA Federal Savings Bank's peers by name
The 14 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock USAA Federal Savings Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full USAA Federal Savings Bank profile, how to read a UBPR, or how this data updates.