Zenith Bank&Trust vs USAA Federal Savings Bank
Side-by-side bank health comparison using FDIC financial data
Verdict
Zenith Bank&Trust has a stronger Bank Health Score of 91/100 (A) compared to USAA Federal Savings Bank at 86/100 (A), a difference of 5 points. Zenith Bank&Trust holds a Tier 1 capital ratio of 195.27% and an NPL ratio of 0.00%.
| Metric | Zenith Bank&Trust | USAA Federal Savings Bank |
|---|---|---|
| Health Score Composite score (0-100) based on capital, loan quality, liquidity, and profitability | 91/100 (A)* | 86/100 (A) |
| Tier 1 Capital Ratio Core equity capital as % of risk-weighted assets (8%+ is well-capitalized) | 195.3%* | 16.0% |
| NPL Ratio Nonperforming loans as % of total loans (lower is better) | 0.0%* | 1.0% |
| Liquidity Ratio Cash and liquid assets vs obligations | 78.9%* | 58.3% |
| Return on Assets Profitability metric (above 1% is strong) | -0.1% | 0.1%* |
| Total Assets | $63M | $111.7B |
| Total Deposits | $39M | $98.1B |
| Location | Scottsdale, Arizona | Phoenix, Arizona |
Zenith Bank&Trust has a stronger Bank Health Score of 91/100 (A) compared to USAA Federal Savings Bank at 86/100 (A), a difference of 5 points. Zenith Bank&Trust holds a Tier 1 capital ratio of 195.27% and an NPL ratio of 0.00%.