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Usaa Federal Savings Bank

IDRSSD: 619877
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
91
/ 100
StrongAs of 2024-Q2QoQ +2

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q2

Bank #619877 2024-Q2 Vital Signs Score: 91/100 — overall strong. Strongest pillar: Reserves (strong). Weakest pillar: Asset Quality (stable).

Liquidity:Strong
Securities:Unknown
Capitalization:Strong
Asset Quality:Stable
Reserves:Strong

Top 3 Watch Items

  1. watch
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.87% of loans.

What changed this quarter

Compared to Q1 2024:
↑ +2 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↑ +5
  • Asset Quality
    ↑ 0
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ 0
99
Sub-score

Liquidity is strong: brokered 0.8%, loans/deposits 43.6%.

Cash / Assets
—
Loans / Deposits
43.58%
Brokered %
0.79%
No watch items at this period.

Securities

Unknown
—
Sub-score

Insufficient data to compute a narrative for this pillar.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
—
No watch items at this period.

Capitalization

StrongQoQ +5
94
Sub-score

Capital position is strong: Tier 1 RBC 16.44%, CET1 15.96%, leverage 8.47%.

Tier 1 RBC
16.44%
CET1
15.96%
Leverage
8.47%
No watch items at this period.

Asset Quality

StableQoQ 0
78
Sub-score

Asset quality is stable: Adjusted NPL 1.05%, Texas Ratio 4.1%, NCO YTD 1.87%.

Adjusted NPL
1.05%
Govt-guarantees stripped
Texas Ratio
4.1%
NCO YTD
1.87%
30-89 PD
0.62%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchNet charge-offs elevated — NCO YTD 1.87% of loans.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 3.51% of loans, coverage 345.1%, true coverage 318.2%.

ALLL / Loans
3.51%
Coverage
345.1%
True Loss Coverage
318.2%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-13 10:12:11 UTC