TellerScore

Side-by-side · Q2 2026 data

USAA Federal Savings Bank vs Mayo Employees Federal Credit Union

Bank

USAA Federal Savings Bank

Phoenix, Arizona · Over $100 billion

64of 100
Moderate

Credit union

Mayo Employees Federal Credit Union

Rochester, Minnesota · $1 billion – $10 billion

98of 100
Very strong

Metric by metric

MeasureUSAA Federal Savings BankMayo Employees Federal Credit Union
TellerScore6498 (stronger)
Capital cushion4399 (stronger)
Loan quality6498 (stronger)
Earnings5692 (stronger)
Funding & liquidity100100
Problem-loan coverage87100 (stronger)
Peer percentile73rd100th
Total assets$106.2B$1.5B
Deposits / shares$92.0B$1.3B
Capital ratio9.29%14.90% (stronger)
Problem loans1.07%0.05% (stronger)
Net charge-offs2.08%0.02% (stronger)
Return on assets0.90%1.80% (stronger)
Loans ÷ deposits48.2% (stronger)55.3%
Uninsured deposits5.2% (stronger)6.2%
Offices47
CFPB complaints (3 yrs)——
Complaints per $1B deposits——
Mortgage denial rate (HMDA)37.2%18.7%

Mayo Employees Federal Credit Union has the higher TellerScore (98 vs 64). On the 7 directional measures above (where higher or lower is clearly better), USAA Federal Savings Bank leads on 2 and Mayo Employees 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.

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