BlastPoint's Banking Scorecard
Walden Savings Bank
Designations: ✓ Mutual
Montgomery, NY
11 branches across NY
Walden Savings Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.34% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 40.2% in tier
- - ROA 0.17% below tier average
- - Efficiency Ratio 0.51% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$977.3M
+5.6% YoY
+0.9% QoQ
|
+$591.2M |
$386.1M
+0.5% YoY
|
$19.3B
+17.3% YoY
|
$6.2B
+9.1% YoY
|
Top 0.6% in tier |
| Total Loans ? |
$753.1M
+11.9% YoY
+2.6% QoQ
|
+$497.3M |
$255.7M
+1.1% YoY
|
$8.1B
+14.6% YoY
|
$3.2B
+10.8% YoY
|
Top 1.1% in tier |
| Total Deposits ? |
$804.6M
+0.7% YoY
-1.9% QoQ
|
+$476.6M |
$328.0M
+0.1% YoY
|
$15.1B
+16.0% YoY
|
$4.8B
+8.2% YoY
|
Top 2.1% in tier |
| Return on Assets ? |
1.10%
+10.9% YoY
+8.7% QoQ
|
-0.17% |
1.27%
+12.9% YoY
|
0.86%
+14.3% YoY
|
1.23%
+13.4% YoY
|
44% |
| Net Interest Margin ? |
3.94%
+8.4% YoY
+4.1% QoQ
|
+0.01% |
3.93%
+6.0% YoY
|
3.45%
+7.0% YoY
|
3.89%
+5.7% YoY
|
53% |
| Efficiency Ratio ? |
65.80%
-6.8% YoY
-2.4% QoQ
|
+0.51% |
65.29%
-4.5% YoY
|
69.17%
-3.6% YoY
|
66.95%
-4.1% YoY
|
43% |
| Delinquency Rate ? |
0.55%
+73.6% YoY
+7.3% QoQ
|
-0.34% |
0.89%
+18.8% YoY
|
1.13%
+6.9% YoY
|
0.95%
+18.8% YoY
|
43% |
| Loan-to-Deposit Ratio ? |
93.60%
+11.1% YoY
+4.5% QoQ
|
+16.96% |
76.64%
+0.8% YoY
|
77.98%
+0.4% YoY
|
76.70%
+0.9% YoY
|
17% |
| Non-Interest-Bearing Deposit Share ? |
20.77%
+4.0% YoY
-1.2% QoQ
|
-1.25% |
22.02%
-1.0% YoY
|
21.94%
+1.2% YoY
|
22.01%
-1.2% YoY
|
49% |
| Nonperforming Asset Ratio ? |
0.46%
+100.5% YoY
+8.2% QoQ
|
-0.18% |
0.64%
+19.7% YoY
|
0.73%
+4.5% YoY
|
0.67%
+19.3% YoY
|
40% |
| Tier 1 Capital Ratio ? |
14.89%
+0.9% YoY
+0.4% QoQ
|
-0.94% |
15.83%
+1.5% YoY
|
24.83%
+10.8% YoY
|
17.06%
+0.8% YoY
|
65% |
| Non-Interest Income / Assets ? |
0.16%
+10.2% YoY
-75.9% QoQ
|
-0.12% |
0.28%
+9.3% YoY
|
0.21%
+9.1% YoY
|
0.32%
+4.1% YoY
|
77% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (1)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.