| Weiss Ratings |
USAA Federal Savings Bank
Phoenix, AZ |
Ally Bank
Sandy, UT |
Charles Schwab Bank, SSB
Westlake, TX |
Click to Compare |
| Rating | ||||
| Asset Quality Index | 5.70 | 3.90 | 8.40 | |
| Capitalization Index | 3.30 | 7.70 | 7.20 | |
| Liquidity Index | 4.60 | 3.40 | 5.00 | |
| Profitability Index | 1.30 | 0.20 | 2.90 | |
| Stability Index | 2.40 | 6.90 | 5.00 | |
| Company Info |
USAA Federal Savings Bank
Phoenix, AZ |
Ally Bank
Sandy, UT |
Charles Schwab Bank, SSB
Westlake, TX |
Click to Compare |
| FDIC Number | 32188 | 57803 | 57450 | |
| Phone Number | (800) 531-8722 | (801) 790-5000 | (775) 689-6800 | |
| Website | www.usaa.com | www.ally.com | www.schwab.com/bank | |
| Asset Quality |
USAA Federal Savings Bank
Phoenix, AZ |
Ally Bank
Sandy, UT |
Charles Schwab Bank, SSB
Westlake, TX |
Click to Compare |
| 1-Year Asset Growth | -2.85% | -0.03% | -9.17% | |
| 5-Year Asset Growth | 4.59% | 1.66% | 5.43% | |
| 5-Year Charge-Offs to Average Loans | 1.22% | 0.96% | 0.00% | |
| Charge-Offs to Average Loans | 2.21% | 1.50% | 0.00% | |
| Non-Performing Assets to Assets | 0.39% | 1.01% | 0.01% | |
| Non-Performing Loans to Capital | 3.65% | 8.26% | 0.09% | |
| Non-Performing Loans to Loans | 1.27% | 1.35% | 0.07% | |
| Balance Sheet |
USAA Federal Savings Bank
Phoenix, AZ |
Ally Bank
Sandy, UT |
Charles Schwab Bank, SSB
Westlake, TX |
Click to Compare |
| Total Assets | 110.78B | 182.32B | 260.40B | |
| Total Deposits | 97.29B | 155.29B | 219.88B | |
| Capital and Reserves |
USAA Federal Savings Bank
Phoenix, AZ |
Ally Bank
Sandy, UT |
Charles Schwab Bank, SSB
Westlake, TX |
Click to Compare |
| Capital | 4.32B | 14.41B | 21.30B | |
| Leverage Ratio | 8.44 | 9.46 | 12.15 | |
| Loan Loss Reserves to Loans | 4.08% | 2.51% | 0.05% | |
| Risk-Based Capital Ratio | 17.63 | 13.24 | 43.40 | |
| Liquidity |
USAA Federal Savings Bank
Phoenix, AZ |
Ally Bank
Sandy, UT |
Charles Schwab Bank, SSB
Westlake, TX |
Click to Compare |
| Hot Money Ratio | 4.88% | 13.11% | 0.00% | |
| Liquidity Ratio | 23.81% | 17.03% | 45.42% | |
| Profitability |
USAA Federal Savings Bank
Phoenix, AZ |
Ally Bank
Sandy, UT |
Charles Schwab Bank, SSB
Westlake, TX |
Click to Compare |
| 5-Year Return on Average Assets | -0.19% | 1.33% | 0.59% | |
| Net Income | 40.00M | 15.00M | 494.00M | |
| Net Interest Spread | 4.44% | 3.81% | 1.34% | |
| Operating Profit to Average Assets | 0.24% | 0.07% | 0.93% | |
| Overhead Efficiency Ratio | 77.63% | 66.65% | 25.95% | |
| Return on Assets | 0.15% | 0.03% | 0.73% | |
| Return on Equity | 3.88% | 0.43% | 9.64% | |