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USAA Federal Savings Bank
Phoenix, AZ·FDIC Cert #32188·Charter: OCC·Est. 19831230.0·HC: UNITED SERVICES AUTOMOBILE ASSN
Total Assets
$108.0B
Q4 2025
Return on Assets
0.40%
-0.05%Peer avg: 1.26%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
76.02%
Peer avg: 51.8%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
55
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.40%-0.05
ROE
9.32%-1.51
Efficiency
76.02%+0.42
Equity/Assets
0.00%+0.00
NPL Ratio
1.19%+0.04
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
46.20%-0.38
Charge-offs
2.04%+0.00
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | -0.2 | 0.1 | 0.1 | -0.1 | 0.1 | 0.5 | 0.5 | 0.4 |
| ROE | -4.9 | 2.7 | 2.0 | -2.6 | 3.9 | 11.9 | 10.8 | 9.3 |
| Efficiency | 87.1 | 84.0 | 82.5 | 85.7 | 77.6 | 74.5 | 75.6 | 76.0 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 1.1 | 1.1 | 1.1 | 1.2 | 1.2 | 1.2 | 1.1 | 1.2 |
| Charge-offs | 1.9 | 1.9 | 1.9 | 1.9 | 2.2 | 2.1 | 2.0 | 2.0 |
| Loan/Deposit | 42.2 | 43.6 | 45.0 | 45.2 | 43.1 | 45.5 | 46.6 | 46.2 |
Balance Sheet
Total Assets$108.0B
Total Deposits$93.4B
Total Loans$43.1B
Total Equity$5.3B
Profitability
ROA0.40%
ROE9.32%
Efficiency Ratio76.02%
Net Income$432.0M
Risk & Asset Quality
NPL Ratio1.19%
Charge-off Rate2.04%
Loan/Deposit46.20%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans