Side-by-side · Q2 2026 data
USAA Federal Savings Bank vs Western Alliance Bank
Metric by metric
| Measure | USAA Federal Savings Bank | Western Alliance Bank |
|---|---|---|
| TellerScore | 64 (stronger) | 38 |
| Capital cushion | 43 (stronger) | 31 |
| Loan quality | 64 (stronger) | 6 |
| Earnings | 56 | 66 (stronger) |
| Funding & liquidity | 100 (stronger) | 56 |
| Problem-loan coverage | 87 (stronger) | 55 |
| Peer percentile | 73rd | 5th |
| Total assets | $106.2B | $98.6B |
| Deposits / shares | $92.0B | $82.3B |
| Capital ratio | 9.29% (stronger) | 8.08% |
| Problem loans | 1.07% (stronger) | 2.82% |
| Net charge-offs | 2.08% | 0.83% (stronger) |
| Return on assets | 0.90% | 1.16% (stronger) |
| Loans ÷ deposits | 48.2% (stronger) | 79.1% |
| Uninsured deposits | 5.2% (stronger) | 38.1% |
| Offices | 4 | 35 |
| CFPB complaints (3 yrs) | — | 73 |
| Complaints per $1B deposits | — | 0.9 |
| Mortgage denial rate (HMDA) | 37.2% | — |
USAA Federal Savings Bank has the higher TellerScore (64 vs 38). On the 7 directional measures above (where higher or lower is clearly better), USAA Federal Savings Bank leads on 5 and Western Alliance Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.