BlastPoint's Banking Scorecard
USAA Federal Savings Bank
Large
Specialty: Other
AZ
FDIC cert 32188
Phoenix, AZ
69
banks in Large tier nationally
2 in AZ
View Large leaderboard (AZ) →
USAA Federal Savings Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 35.52% below tier
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 1% in Large
- - Deposit Outflow: Bottom 40% in Large
- - Return on Assets 0.79% below tier
- - Efficiency Ratio 20.99% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$108.0B
-1.1% YoY
+2.9% QoQ
|
+$33.1B |
$74.9B
-4.4% YoY
|
$17.0B
+5.7% YoY
|
$5.9B
+6.5% YoY
|
81% |
| Total Loans ? |
$43.1B
-0.6% YoY
+2.0% QoQ
|
-$3.3B |
$46.4B
-2.1% YoY
|
$9.0B
+5.8% YoY
|
$3.1B
+8.5% YoY
|
65% |
| Total Deposits ? |
$93.4B
-2.7% YoY
+2.9% QoQ
|
+$32.9B |
$60.5B
-4.5% YoY
|
$14.5B
+5.2% YoY
|
$4.7B
+6.3% YoY
|
83% |
| Return on Assets ? |
0.40%
+508.4% YoY
-11.0% QoQ
|
-0.79% |
1.19%
+17.8% YoY
|
0.25%
+127.0% YoY
|
1.12%
+15.6% YoY
|
Bottom 6% in tier |
| Net Interest Margin ? |
4.93%
+15.0% YoY
+0.2% QoQ
|
+1.47% |
3.46%
+13.1% YoY
|
4.02%
+5.8% YoY
|
3.75%
+7.1% YoY
|
Top 10% in tier |
| Efficiency Ratio ? |
76.02%
-11.3% YoY
+0.6% QoQ
|
+20.99% |
55.03%
-2.8% YoY
|
85.64%
-13.8% YoY
|
65.09%
-5.1% YoY
|
Bottom 4% in tier |
| Delinquency Rate ? |
1.19%
+1.2% YoY
+3.5% QoQ
|
+0.31% |
0.88%
-0.3% YoY
|
1.24%
+35.9% YoY
|
0.66%
+20.3% YoY
|
23% |
| Loan-to-Deposit Ratio ? |
46.20%
+2.1% YoY
-0.8% QoQ
|
-35.52% |
81.72%
+3.9% YoY
|
82.13%
-1.4% YoY
|
78.04%
+0.7% YoY
|
Top 6% in tier |
| Non-Interest-Bearing Deposit Share ? |
0.43%
+1.5% YoY
-8.7% QoQ
|
-19.55% |
19.97%
+0.5% YoY
|
23.21%
-3.7% YoY
|
21.79%
-1.3% YoY
|
Bottom 15% in tier |
| Nonperforming Asset Ratio ? |
0.48%
+1.9% YoY
+2.5% QoQ
|
-0.08% |
0.55%
+9.0% YoY
|
0.90%
+22.8% YoY
|
0.48%
+20.8% YoY
|
51% |
| Tier 1 Capital Ratio ? |
16.95%
+4.0% YoY
+0.6% QoQ
|
+3.62% |
13.33%
-0.7% YoY
|
11.10%
+38.8% YoY
|
9.75%
-1.9% YoY
|
Top 12% in tier |
| Non-Interest Income / Assets ? |
1.80%
+2.1% YoY
+30.2% QoQ
|
+0.72% |
1.09%
+2.4% YoY
|
0.77%
+36.7% YoY
|
0.65%
+0.6% YoY
|
Top 12% in tier |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 6%
in Large
Why this stands out
Current:
46.20%
(Tier avg: 81.72%, National avg: 78.04%)
Concerns (4)
Flatlined Growth
risk
#1 of 17 · Bottom 1% in Large
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
0.40%
(Tier: 1.19%, National: 1.12%)
17 of 17 Large banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
Deposit Outflow
decline
#5 of 11 · Bottom 40% in Large
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
11 of 11 Large banks match
·
294 nationally
↑ Growing
+37 banks QoQ
Return on Assets
metric
Bottom 6%
in Large
Why this stands out
Current:
0.40%
(Tier avg: 1.19%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 4%
in Large
Why this stands out
Current:
76.02%
(Tier avg: 55.03%, National avg: 65.09%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
94
94th pctile
Loan-to-Deposit Ratio
Current: 46.20% · Tier avg: 81.72%
90
90th pctile
Net Interest Margin
Current: 4.93% · Tier avg: 3.46%
88
88th pctile
Tier 1 Capital Ratio
Current: 16.95% · Tier avg: 13.33%
88
88th pctile
Non-Interest Income / Assets
Current: 1.80% · Tier avg: 1.09%
83
83th pctile
Total Deposits
Current: $93.4B · Tier avg: $60.5B
81
81th pctile
Total Assets
Current: $108.0B · Tier avg: $74.9B
65
65th pctile
Total Loans
Current: $43.1B · Tier avg: $46.4B
51
51th pctile
Nonperforming Asset Ratio
Current: 0.48% · Tier avg: 0.55%
23
23th pctile
Delinquency Rate
Current: 1.19% · Tier avg: 0.88%
15
15th pctile
Non-Interest-Bearing Deposit Share
Current: 0.43% · Tier avg: 19.97%
6
6th pctile
Return on Assets
Current: 0.40% · Tier avg: 1.19%
4
4th pctile
Efficiency Ratio
Current: 76.02% · Tier avg: 55.03%
Top Weaknesses
4
4th pctile
Efficiency Ratio
Current: 76.02% · Tier avg: 55.03%
6
6th pctile
Return on Assets
Current: 0.40% · Tier avg: 1.19%
15
15th pctile
Non-Interest-Bearing Deposit Share
Current: 0.43% · Tier avg: 19.97%
23
23th pctile
Delinquency Rate
Current: 1.19% · Tier avg: 0.88%
51
51th pctile
Nonperforming Asset Ratio
Current: 0.48% · Tier avg: 0.55%
65
65th pctile
Total Loans
Current: $43.1B · Tier avg: $46.4B
81
81th pctile
Total Assets
Current: $108.0B · Tier avg: $74.9B
83
83th pctile
Total Deposits
Current: $93.4B · Tier avg: $60.5B
88
88th pctile
Non-Interest Income / Assets
Current: 1.80% · Tier avg: 1.09%
88
88th pctile
Tier 1 Capital Ratio
Current: 16.95% · Tier avg: 13.33%
90
90th pctile
Net Interest Margin
Current: 4.93% · Tier avg: 3.46%
94
94th pctile
Loan-to-Deposit Ratio
Current: 46.20% · Tier avg: 81.72%