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Examined: Sat, 25 Apr 2026 19:44:21 GMT

USAA Federal Savings Bank

RSSD 619877 · AZ · Total assets $107,989M
Composite CAMELS
2
2 — Satisfactory
C
Capital
2
0 findings
A
Asset Quality
2
0 findings
M
Management
2
0 findings
E
Earnings
4
3 findings
L
Liquidity
2
0 findings
S
Sensitivity
2
0 findings
0
Critical
3
High
0
Moderate
0
Low
24
Procedures run

Findings

HIGH · Earnings Procedure E-01

Return on assets below typical peer range

Citation
OCC Comptroller's Handbook, "Earnings"; FFIEC UBPR User's Guide §IV — Earnings Analysis
Evidence
YTD net income $-110M on average assets $112,170M. Typical community-bank peer ROA is 0.9–1.1%; sustained sub-0.5% ROA can indicate margin compression, asset-quality deterioration, or expense growth out of pace with revenue. Negative ROA triggers heightened supervisory attention.
Recommended action
Provide written analysis of the drivers (margin compression, noninterest expense growth, credit costs, fee compression). If ROA is negative, submit an earnings-restoration plan to the primary regulator with quarterly milestones and a path back to peer-range earnings within four to eight quarters.
HIGH · Earnings Procedure E-03

Efficiency ratio elevated relative to earnings capacity

Citation
FFIEC UBPR User's Guide §IV — Earnings Analysis
Evidence
Efficiency ratio is 85.68%. An elevated efficiency ratio indicates noninterest expense is consuming a high share of operating revenue and may weaken the institution’s ability to absorb credit costs, funding-cost pressure, or revenue disruption.
Recommended action
Provide expense and revenue decomposition by major line item, including compensation, occupancy, technology, professional services, and noninterest income trends. Submit a board-reviewed operating plan with measurable expense controls, revenue initiatives, and quarterly efficiency targets.
HIGH · Earnings Procedure E-04

Year-to-date net income is negative

Citation
OCC Comptroller's Handbook, "Earnings"
Evidence
Year-to-date net income is $-110M. Negative earnings reduce internal capital generation and may indicate margin pressure, expense imbalance, elevated credit costs, or nonrecurring losses requiring supervisory attention.
Recommended action
Provide a written earnings-restoration plan identifying the drivers of the loss, expected recurrence, capital impact, and corrective actions. Include quarterly milestones for returning to sustainable profitability and board reporting that tracks actual performance against the plan.

Key ratios computed

Tier 1 ratio
16.30%
↑ rank 5 of 33 · regional
Tier 1 leverage
8.48%
↑ rank 27 of 34 · regional
Total capital
17.57%
↑ rank 6 of 34 · regional
NPL ratio
1.13%
ACL coverage
338.63%
CRE concentration
0.01%
Construction conc.
0.01%
ROA (annualized)
-0.10%
↑ rank 33 of 34 · regional
NIM
4.29%
↑ rank 3 of 34 · regional
Efficiency ratio
85.68%
↓ rank 33 of 34 · regional
Loans / Deposits
47.04%
Brokered / Deposits
0.49%
Uninsured / Deposits
6.42%
Liquid asset ratio
6.74%
HTM loss / Tier 1
—
Asset growth YoY
—

Trend — last 8 quarters

Total assets ($M)
$109,221M
23Q03$110,977M 23Q06$109,991M 23Q09$109,429M 23Q12$110,371M 24Q03$114,029M 24Q06$111,712M 24Q09$110,323M 24Q12$109,221M
Tier 1 leverage
8.48%
23Q038.32% 23Q068.30% 23Q098.83% 23Q128.61% 24Q038.59% 24Q068.45% 24Q098.63% 24Q128.48%
Tier 1 RBC ratio
16.30%
23Q0317.14% 23Q0616.98% 23Q0917.44% 23Q1216.65% 24Q0316.37% 24Q0616.44% 24Q0916.47% 24Q1216.30%
ROA (YTD ann.)
-0.10%
23Q03-0.10% 23Q060.00% 23Q09-0.01% 23Q12-0.28% 24Q03-0.16% 24Q060.10% 24Q090.08% 24Q12-0.10%
NIM (YTD ann.)
4.29%
23Q033.98% 23Q063.97% 23Q093.99% 23Q124.00% 24Q034.15% 24Q064.19% 24Q094.25% 24Q124.29%
Efficiency ratio
85.7%
23Q0394.0% 23Q0692.6% 23Q0989.6% 23Q1292.2% 24Q0387.1% 24Q0684.0% 24Q0982.5% 24Q1285.7%

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