USAA Federal Savings Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 7.09 percentage points higher than in Q1 2026, at 362.14%. Within Arizona, USAA Federal Savings Bank is 5th of 12 on return on assets, 0.98% as of Q2 2026, above the middle of the field. The median for banks in the $100B-250B asset tier is 1.21% on return on assets. USAA Federal Savings Bank sits 0.23 points lower, at 0.98% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 16.89% |
| Tier 1 risk-based capital ratio | 17.37% |
| Total risk-based capital ratio | 18.65% |
| Tier 1 leverage ratio | 9.29% |
| Equity capital to assets | 5.48% |
| Tangible equity to tangible assets | 5.48% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.13% |
| Non-performing assets ratio | 0.49% |
| Net charge-off ratio | 2.01% |
| Texas ratio | 6.78% |
| Allowance for credit losses to loans | 4.10% |
| Reserve coverage of non-performing loans | 362.14% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.98% |
| Return on equity | 18.26% |
| Net interest margin | 5.17% |
| Efficiency ratio | 69.22% |
| Yield on earning assets | 5.61% |
| Cost of funds | 0.46% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 50.25% |
| Core deposits to total deposits | 99.06% |
| Brokered deposits to total deposits | 0.03% |
| Deposits to assets | 86.61% |
| Securities to assets | 45.69% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 16.95% | 17.44% | 18.69% | 8.83% | -0.03% |
| Q4 2023 | 16.17% | 16.65% | 17.90% | 8.61% | -1.10% |
| Q1 2024 | 15.89% | 16.37% | 17.63% | 8.59% | -0.16% |
| Q2 2024 | 15.96% | 16.44% | 17.70% | 8.46% | 0.37% |
| Q3 2024 | 15.99% | 16.47% | 17.74% | 8.63% | 0.03% |
| Q4 2024 | 15.82% | 16.30% | 17.57% | 8.48% | -0.64% |
| Q1 2025 | 15.87% | 16.36% | 17.63% | 8.44% | 0.15% |
| Q2 2025 | 16.17% | 16.66% | 17.93% | 8.68% | 0.80% |
| Q3 2025 | 16.35% | 16.84% | 18.11% | 8.93% | 0.41% |
| Q4 2025 | 16.46% | 16.95% | 18.22% | 9.05% | 0.26% |
| Q1 2026 | 16.69% | 17.18% | 18.46% | 9.08% | 0.85% |
| Q2 2026 | 16.89% | 17.37% | 18.65% | 9.29% | 0.98% |
USAA Federal Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock USAA Federal Savings Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full USAA Federal Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 32188) · FFIEC NIC profile (RSSD 619877)