In 2008 "when most financial services companies posted record losses and the S&P 500 Index total return dropped by 37%, USAA earned $423 million in net income and generated positive investment income."
USAA has consistently received the highest possible credit ratings, even over the last few years while other banks have been failing. They also haven't taken any bailout money.
USAA has an 8% tangible equity to assets ratio. For capital adequacy purposes, the bank only needs 1.5% TCE/TA. They are well capitalized and I would say that their prospects for insolvency are nil.
