Side-by-side · Q2 2026 data
USAA Federal Savings Bank vs Oneaz Credit Union
Metric by metric
| Measure | USAA Federal Savings Bank | Oneaz Credit Union |
|---|---|---|
| TellerScore | 64 | 71 (stronger) |
| Capital cushion | 43 | 54 (stronger) |
| Loan quality | 64 | 78 (stronger) |
| Earnings | 56 | 67 (stronger) |
| Funding & liquidity | 100 (stronger) | 82 |
| Problem-loan coverage | 87 | 91 (stronger) |
| Peer percentile | 73rd | 62nd |
| Total assets | $106.2B | $4.5B |
| Deposits / shares | $92.0B | $4.0B |
| Capital ratio | 9.29% | 10.44% (stronger) |
| Problem loans | 1.07% | 0.66% (stronger) |
| Net charge-offs | 2.08% | 0.44% (stronger) |
| Return on assets | 0.90% | 1.16% (stronger) |
| Loans ÷ deposits | 48.2% (stronger) | 76.5% |
| Uninsured deposits | 5.2% (stronger) | 16.9% |
| Offices | 4 | 20 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 37.2% | 35.8% |
Oneaz Credit Union has the higher TellerScore (71 vs 64). On the 7 directional measures above (where higher or lower is clearly better), USAA Federal Savings Bank leads on 2 and Oneaz 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.