This institution is no longer active

Operations ceased on June 1, 2024. CRA examination history below reflects the period it was active.

USAA SAVINGS BANK

LAS VEGAS, NV · Supervised by FDIC

Est. 1996FDIC #34,351RSSD: FDIC-34351

Part ofUNITED SERVICES AUTOMOBILE ASSN→ View all charters

Outstanding Up

Current rating · Exam: January 2023

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Strong

ROA 11.18%

Institution Profile

FDIC BankFind

Address

3773 Howard Hughes Pkwy, LAS VEGAS, NV

County

Clark County

Established

September 27, 1996

Total Assets

$2.6B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

January 1, 2023

Exam Type

Wholesale/Limited Purpose

Regulator

FDIC

What is a CRA rating? →

Estimated next exam:Jan 2027(based on asset size)

Financial Snapshot

As of Q1 2024Call Report / FDIC

Total Assets

$2.6B

Total Deposits

$157M

Net Loans

—

Net Income

$73M

ROA

11.18%

Above avg for Community banks. Peer avg: 0.90%

ROE

37.89%

Risk-Based Capital

94.68%

Above avg for Community banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

ROA11.18%Peer avg: 0.90%▲ Above avg

Risk-Based Capital94.68%Peer avg: 12.91%▲ Above avg

Mortgage Denial Rate23.49%Peer avg: 9.91%▼ Below avg

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Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	28,011	47.14%	23.49%
2023	25,041	48.5%	20.61%
2022	30,051	55.97%	18.37%
2021	44,708	67.22%	14.62%
2020	94,009	57.17%	16.94%
2019	114,978	56.01%	15.83%
2018	103,152	54.83%	15.89%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam Date	Rating	Exam Type
Jan 2023	Outstanding	Wholesale/Limited Purpose
Sep 2020	Satisfactory	Wholesale/Limited Purpose
Jul 2017	Outstanding	Large Bank

7 previous ratings locked — back to 1997

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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