Side-by-side · Q2 2026 data
USAA Federal Savings Bank vs Banner Federal Credit Union
Metric by metric
| Measure | USAA Federal Savings Bank | Banner Federal Credit Union |
|---|---|---|
| TellerScore | 64 | 80 (stronger) |
| Capital cushion | 43 | 85 (stronger) |
| Loan quality | 64 | 77 (stronger) |
| Earnings | 56 (stronger) | 53 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 87 | 96 (stronger) |
| Peer percentile | 73rd | 65th |
| Total assets | $106.2B | $65.2M |
| Deposits / shares | $92.0B | $56.4M |
| Capital ratio | 9.29% | 13.48% (stronger) |
| Problem loans | 1.07% | 0.70% (stronger) |
| Net charge-offs | 2.08% | 0.38% (stronger) |
| Return on assets | 0.90% (stronger) | 0.83% |
| Loans ÷ deposits | 48.2% | 41.1% (stronger) |
| Uninsured deposits | 5.2% (stronger) | 5.2% |
| Offices | 4 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 37.2% | — |
Banner Federal Credit Union has the higher TellerScore (80 vs 64). On the 7 directional measures above (where higher or lower is clearly better), USAA Federal Savings Bank leads on 2 and Banner Federal Credit Union on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.