Is USAA Federal Savings Bank Safe?
USAA Federal Savings Bank has a Bank Health Score of 86/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (26/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 15.96% | 100/100 |
| Nonperforming Loan Ratio | 1.02% | 80/100 |
| Liquidity Ratio | 58.30% | 100/100 |
| Return on Assets | 0.14% | 26/100 |
| Total Assets | $111.7B | |
How does USAA Federal Savings Bank compare?
With a Bank Health Score of 86/100, USAA Federal Savings Bank sits 16.0 points above the national average of 70/100 for FDIC-insured banks. Within Arizona, where 14 FDIC-insured banks are headquartered, USAA Federal Savings Bank ranks above the state average of 60/100 (Grade C).
The bank's Tier 1 capital ratio of 15.96% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 1.02% is in a normal range for a bank this size.
What changed in the last year?
Over the last four quarters, USAA Federal Savings Bank's Bank Health Score held roughly steady at 86/100. Tier 1 capital weakened by 0.98 percentage points to 15.96%. Quarter-over-quarter, the score rose by 1.0 points.
USAA Federal Savings Bank has a Bank Health Score of 86/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (26/100).