USNYX vs. BIV
Compare and contrast key facts about USAA New York Bond Fund (USNYX) and Vanguard Intermediate-Term Bond Index ETF (BIV).
USNYX is managed by Victory. It was launched on Oct 9, 1990. BIV is a passively managed fund by Vanguard that tracks the performance of the Bloomberg U.S. 5–10 Year Government/Credit Float Adjusted Bond Index. It was launched on Apr 3, 2007.
Performance
USNYX vs. BIV - Performance Comparison
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USNYX vs. BIV - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
USNYX USAA New York Bond Fund | -0.66% | 3.14% | 2.30% | 7.67% | -11.34% | 3.33% | 3.92% | 6.87% | 1.16% | 4.36% |
BIV Vanguard Intermediate-Term Bond Index ETF | -0.23% | 8.52% | 1.57% | 6.07% | -13.21% | -2.40% | 9.67% | 10.34% | -0.19% | 3.65% |
Returns By Period
In the year-to-date period, USNYX achieves a -0.66% return, which is significantly lower than BIV's -0.23% return. Over the past 10 years, USNYX has underperformed BIV with an annualized return of 1.84%, while BIV has yielded a comparatively higher 2.04% annualized return.
USNYX
- 1D
- 0.38%
- 1M
- -2.68%
- YTD
- -0.66%
- 6M
- 0.90%
- 1Y
- 2.54%
- 3Y*
- 2.95%
- 5Y*
- 0.62%
- 10Y*
- 1.84%
BIV
- 1D
- 0.00%
- 1M
- -1.57%
- YTD
- -0.23%
- 6M
- 0.54%
- 1Y
- 4.69%
- 3Y*
- 3.99%
- 5Y*
- 0.54%
- 10Y*
- 2.04%
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USNYX vs. BIV - Expense Ratio Comparison
USNYX has a 0.67% expense ratio, which is higher than BIV's 0.03% expense ratio.
Return for Risk
USNYX vs. BIV — Risk / Return Rank
USNYX
BIV
USNYX vs. BIV - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for USAA New York Bond Fund (USNYX) and Vanguard Intermediate-Term Bond Index ETF (BIV). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
| USNYX | BIV | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 0.33 | 1.04 | -0.71 |
Sortino ratioReturn per unit of downside risk | 0.49 | 1.50 | -1.01 |
Omega ratioGain probability vs. loss probability | 1.12 | 1.18 | -0.07 |
Calmar ratioReturn relative to maximum drawdown | 0.48 | 1.74 | -1.27 |
Martin ratioReturn relative to average drawdown | 1.35 | 5.57 | -4.22 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
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Sharpe Ratios by Period
| USNYX | BIV | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 0.33 | 1.04 | -0.71 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.10 | 0.09 | +0.02 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.36 | 0.37 | -0.01 |
Sharpe Ratio (All Time)Calculated using the full available price history | 1.08 | 0.65 | +0.43 |
Correlation
The correlation between USNYX and BIV is 0.46, which is considered to be moderate. This suggests that the two assets have some degree of positive relationship in their price movements. Moderate correlation can be acceptable for portfolio diversification, offering a balance between risk and potential returns.
Dividends
USNYX vs. BIV - Dividend Comparison
USNYX's dividend yield for the trailing twelve months is around 3.63%, less than BIV's 4.14% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
USNYX USAA New York Bond Fund | 3.63% | 4.16% | 4.04% | 3.10% | 3.18% | 2.61% | 3.14% | 3.16% | 3.45% | 3.42% | 3.53% | 3.54% |
BIV Vanguard Intermediate-Term Bond Index ETF | 4.14% | 4.01% | 3.79% | 3.09% | 2.41% | 3.42% | 2.95% | 2.75% | 2.88% | 2.69% | 3.01% | 3.02% |
Drawdowns
USNYX vs. BIV - Drawdown Comparison
The maximum USNYX drawdown since its inception was -18.05%, roughly equal to the maximum BIV drawdown of -18.95%. Use the drawdown chart below to compare losses from any high point for USNYX and BIV.
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Drawdown Indicators
| USNYX | BIV | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -18.05% | -18.95% | +0.90% |
Max Drawdown (1Y)Largest decline over 1 year | -7.39% | -2.87% | -4.52% |
Max Drawdown (5Y)Largest decline over 5 years | -18.05% | -18.74% | +0.69% |
Max Drawdown (10Y)Largest decline over 10 years | -18.05% | -18.95% | +0.90% |
Current DrawdownCurrent decline from peak | -3.04% | -2.03% | -1.01% |
Average DrawdownAverage peak-to-trough decline | -2.17% | -3.40% | +1.23% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.60% | 0.90% | +1.70% |
Volatility
USNYX vs. BIV - Volatility Comparison
The current volatility for USAA New York Bond Fund (USNYX) is 1.59%, while Vanguard Intermediate-Term Bond Index ETF (BIV) has a volatility of 1.77%. This indicates that USNYX experiences smaller price fluctuations and is considered to be less risky than BIV based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| USNYX | BIV | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 1.59% | 1.77% | -0.18% |
Volatility (6M)Calculated over the trailing 6-month period | 2.32% | 2.74% | -0.42% |
Volatility (1Y)Calculated over the trailing 1-year period | 8.72% | 4.55% | +4.17% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 5.98% | 6.39% | -0.41% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 5.05% | 5.50% | -0.45% |