USAA Federal Savings Bank

10750 Mcdermott Freeway
San Antonio, TX 78288

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 32188
Date Established 1983
Assets $70.24 billion
Loans $43.35 billion
Deposits $63.00 billion
Capital $6.04 billion

USAA Federal Savings Bank is an FDIC insured institution located in San Antonio, TX. It was founded in 1983 and has approximately $69.47 billion in assets.

For a more detailed analysis of USAA Federal Savings Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in USAA Federal Savings Bank’s loan portfolio are Credit Card Loans, Consumer Auto Loans, and 1-4 Family Residential Loans.

Compared to other banks in Texas, USAA Federal Savings Bank has a significantly higher percent of Credit Card Loans, Consumer Auto Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 20.69
Multifamily
Mortgages
0.00
Credit Card Loans 39.28
Consumer Auto Loans 29.46
Small Business Loans 0.00
Construction and Development Loans 0.12
Commercial Real Estate 0.00
Commercial and Industrial Loans 0.00
Farm Loans 0.00

Savings Rates

Your Current Location: New York, NY 10007

CD Rates APY MIN MAX
3 Mo CD 10K 0.30% $1,000 $94,999 Learn MoreShow Less
3 Mo CD 100K 0.35% $95,000 $174,999 Learn MoreShow Less
6 Mo CD 10K 0.56% $1,000 $94,999 Learn MoreShow Less
6 Mo CD 100K 0.61% $95,000 $174,999 Learn MoreShow Less
12 Mo CD 10K 0.71% $1,000 $94,999 Learn MoreShow Less
12 Mo CD 100K 0.76% $95,000 $174,999 Learn MoreShow Less
18 Mo CD 10K 0.76% $1,000 $94,999 Learn MoreShow Less
18 Mo CD 100K 0.81% $95,000 $174,999 Learn MoreShow Less
24 Mo CD 10K 0.81% $1,000 $94,999 Learn MoreShow Less
24 Mo CD 100K 0.86% $95,000 $174,999 Learn MoreShow Less
30 Mo CD 10K 0.85% $1,000 $94,999 Learn MoreShow Less
36 Mo CD 10K 0.91% $1,000 $94,999 Learn MoreShow Less
36 Mo CD 100K 0.96% $95,000 $174,999 Learn MoreShow Less
48 Mo CD 10K 0.95% $1,000 $94,999 Learn MoreShow Less
48 Mo CD 100K 1.00% $95,000 $174,999 Learn MoreShow Less
60 Mo CD 10K 1.06% $1,000 $94,999 Learn MoreShow Less
60 Mo CD 100K 1.11% $95,000 $174,999 Learn MoreShow Less
Fixed IRA Rates APY MIN MAX
Fixed IRA 0K 0.71% $250 $94,999 Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA 0K 0.46% $250 - Learn MoreShow Less
MM Rates APY MIN MAX
MM 2.5K 0.05% $1,000 $4,999 Learn MoreShow Less
MM 10K 0.15% $10,000 $24,999 Learn MoreShow Less
MM 25K 0.15% $25,000 - Learn MoreShow Less
PREMM Rates APY MIN MAX
Premium MM 10K 0.20% $10,000 $24,999 Learn MoreShow Less
Premium MM 25K 0.25% $25,000 $49,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K 0.01% $1,000 - Learn MoreShow Less
Checking Rates APY MIN FEE
Secure Checking 0.00% $0 $0.00 Learn MoreShow Less

Loan Rates

Your Current Location: New York, NY 10007

BestCashCow tracks mortgage, home equity, and auto loan rates. In the future, we will be adding other loan products. Please contact the lender for questions about their loan products.

Auto Loan Rates APR Rate Monthly Payment
3 Year 1.49% 1.49% $710.51 Learn MoreShow Less
4 Year 2.25% 2.25% $545.11 Learn MoreShow Less
5 Year 2.25% 2.25% $440.93 Learn MoreShow Less
Refinance Mortgage Rates APR Rate Monthly Payment
15 Year Fixed Conforming 3.02% 2.88% $1,712.06 Learn MoreShow Less
30 Year Fixed Conforming 3.76% 3.63% $1,140.83 Learn MoreShow Less
Purchase Mortgage Rates APR Rate Monthly Payment
15 Year Fixed Conforming 3.02% 2.88% $1,712.06 Learn MoreShow Less
30 Year Fixed Conforming 3.76% 3.63% $1,140.83 Learn MoreShow Less

Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.

Branches

USAA Federal Savings Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
New York,New York


Usaa Federal Savings Bank Locations

Financial Details

USAA Federal Savings Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of USAA Federal Savings Bank. The data is provided by the FDIC. Please remember that all banks listed on BestCashCow.com are FDIC insured while all credit unions are similarly insured by the NCUA. No depositor has ever lost money while their funds have been insured by the FDIC or NCUA.

Texas Ratio
USAA Federal Savings Bank U.S. Bank Average
6.54% 8.56%

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of June 30, 2015, USAA Federal Savings Bank had $435,439,000 in non-current loans and $5,450,000 in owned real estate. To cover these potential losses it had $6,044,275,000 in equity and $697,617,000 in loans loss reserves. That gives it a Texas Ratio of 6.54%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
USAA Federal Savings Bank U.S. Bank Average
13.75% 9.74%

USAA Federal Savings Bank has a Return on Equity of 13.75% versus the BestCashCow average of 9.74%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
USAA Federal Savings Bank U.S. Bank Average
8.61% 11.23%

USAA Federal Savings Bank has a Capitalization of 8.61% versus the BestCashCow average of 11.23%. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

USAA Federal Savings Bank Balance Sheet Analysis

As of March 31, 2015, USAA Federal Savings Bank had assets of $69,474,311,000, loans of $43,346,328,000, and deposits of $62,995,318,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

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