Side-by-side · Q2 2026 data
USAA Federal Savings Bank vs Desert Financial Credit Union
Metric by metric
| Measure | USAA Federal Savings Bank | Desert Financial Credit Union |
|---|---|---|
| TellerScore | 64 | 80 (stronger) |
| Capital cushion | 43 | 71 (stronger) |
| Loan quality | 64 | 84 (stronger) |
| Earnings | 56 | 64 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 87 | 95 (stronger) |
| Peer percentile | 73rd | 88th |
| Total assets | $106.2B | $9.9B |
| Deposits / shares | $92.0B | $8.9B |
| Capital ratio | 9.29% | 12.10% (stronger) |
| Problem loans | 1.07% | 0.47% (stronger) |
| Net charge-offs | 2.08% | 0.29% (stronger) |
| Return on assets | 0.90% | 1.11% (stronger) |
| Loans ÷ deposits | 48.2% (stronger) | 59.9% |
| Uninsured deposits | 5.2% (stronger) | 11.7% |
| Offices | 4 | 51 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 37.2% | 26.1% |
Desert Financial 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 Desert Financial 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.