BlastPoint's Banking Scorecard
Mutual Savings and Loan Association
Designations: ✓ Community bank
Metairie, LA
2 branches across LA
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 536 banks in the under $100M peer group nationwide — 1 of 11 in LA.
- Deposits -5.2% year over year ($18.7M on the books).
- Delinquency rate 0.23%.
- Return on assets -0.67%.
- Efficiency ratio 117.83% vs a 119.40% peer average.
- Loan-to-deposit ratio 160.85% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Mutual Savings and Loan Association has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 1.57% below tier average
- + Delinquency Rate 1.25% below tier average
Key Concerns
Areas that may need attention
- - Return on Assets 1.66% below tier average
- - Efficiency Ratio 1.57% below tier average
- - Loan-to-Deposit Ratio 86.64% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$35.9M
-3.2% YoY
-4.3% QoQ
|
-$26.5M |
$62.4M
-0.0% YoY
|
$799.3M
+7.8% YoY
|
$6.3B
+7.7% YoY
|
16% |
| Total Loans ? |
$30.1M
-2.8% YoY
-1.2% QoQ
|
-$4.8M |
$34.9M
-0.6% YoY
|
$538.5M
+5.3% YoY
|
$3.2B
+9.4% YoY
|
43% |
| Total Deposits ? |
$18.7M
-5.2% YoY
-7.8% QoQ
|
-$32.9M |
$51.6M
-0.2% YoY
|
$677.9M
+7.3% YoY
|
$4.9B
+7.3% YoY
|
Bottom 8.2% in tier |
| Return on Assets ? |
-0.67%
-97.0% YoY
+5.5% QoQ
|
-1.66% |
1.00%
+3.5% YoY
|
1.37%
+23.6% YoY
|
1.30%
+12.1% YoY
|
Bottom 7.8% in tier |
| Net Interest Margin ? |
3.88%
+8.7% YoY
+1.2% QoQ
|
-0.03% |
3.91%
+2.3% YoY
|
4.15%
+0.0% YoY
|
3.95%
+4.9% YoY
|
50% |
| Efficiency Ratio ? |
117.83%
+4.8% YoY
-1.0% QoQ
|
-1.57% |
119.40%
+49.6% YoY
|
69.40%
-0.9% YoY
|
70.05%
+2.5% YoY
|
Bottom 7.8% in tier |
| Delinquency Rate ? |
0.23%
-4.1% YoY
-47.9% QoQ
|
-1.25% |
1.48%
+31.8% YoY
|
1.53%
+7.9% YoY
|
0.98%
+16.3% YoY
|
58% |
| Loan-to-Deposit Ratio ? |
160.85%
+2.5% YoY
+7.2% QoQ
|
+86.64% |
74.21%
+12.6% YoY
|
77.15%
-1.0% YoY
|
79.03%
+2.3% YoY
|
Bottom 0.7% in tier |
| Non-Interest-Bearing Deposit Share ? |
11.79%
+60.1% YoY
+0.7% QoQ
|
-11.70% |
23.49%
+0.6% YoY
|
24.65%
+0.5% YoY
|
21.98%
-0.6% YoY
|
18% |
| Nonperforming Asset Ratio ? |
0.19%
-3.8% YoY
-46.2% QoQ
|
-0.65% |
0.84%
+23.0% YoY
|
1.11%
+4.1% YoY
|
0.69%
+15.8% YoY
|
53% |
| Tier 1 Capital Ratio ? |
98.90%
+1.7% YoY
+0.5% QoQ
|
+71.77% |
27.13%
+3.0% YoY
|
17.35%
+5.4% YoY
|
17.09%
+0.8% YoY
|
Top 3.4% in tier |
| Non-Interest Income / Assets ? |
0.04%
+168.6% YoY
+69.8% QoQ
|
-1.34% |
1.38%
+6.3% YoY
|
0.33%
+19.6% YoY
|
0.66%
+5.2% YoY
|
Bottom 12.9% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
11.8%
+4.4pp YoY +0.1pp QoQ |
-12.9pp | 24.6% | 24.6% | 22.2% | 14% |
| Brokered Deposits | n/a | n/a | 9.8% | 6.7% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I | n/a | n/a | 13.4% | 12.6% | 12.5% | n/a |
| CRE | n/a | n/a | 25.2% | 44.9% | 41.4% | n/a |
| 1-4 Family |
95.6%
+1.4pp YoY -0.1pp QoQ |
+60.7pp | 35.0% | 34.2% | 31.3% | 99% |
| Consumer |
0.7%
0.0pp YoY 0.0pp QoQ |
-7.0pp | 7.7% | 4.2% | 5.0% | 9% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
98.9%
+1.7pp YoY +0.5pp QoQ |
+60.2pp | 38.7% | 22.5% | 19.7% | 93% |
| Leverage Ratio |
47.2%
+1.1pp YoY +1.2pp QoQ |
+29.5pp | 17.7% | 13.4% | 12.6% | 95% |
| Total Capital Ratio |
100.0%
+1.7pp YoY +0.5pp QoQ |
+60.3pp | 39.7% | 23.6% | 20.8% | 94% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
9
+1 (+12.5%) YoY +1 (+12.5%) QoQ |
-3 | 12 | 114 | 482 | 36% |
| Assets per Employee ($) |
$4.0M
-13.9% YoY -15.0% QoQ |
-$2.2M | $6.2M | $6.8M | $8.8M | 20% |
| Branch Count |
2
0 YoY 0 QoQ |
+0 | 1 | 9 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.2%
0.0pp YoY -0.2pp QoQ |
-1.5pp | 1.7% | 1.4% | 1.0% | 25% |
| Allowance Coverage |
2.72x
+7.4% YoY +94.1% QoQ |
-3.69x | 6.41x | 27.36x | 20.23x | 69% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
-1.4%
-0.6pp YoY +0.1pp QoQ |
-7.8pp | 6.4% | 12.5% | 11.6% | 11% |
| Cost of Funds (YTD) |
0.6%
-0.2pp YoY 0.0pp QoQ |
-0.8pp | 1.4% | 1.7% | 1.7% | 9% |
| Net Income ($, YTD) |
$-123000.0
-83.6% YoY — QoQ |
-$441K | $317,817 | $5.1M | $40.4M | 8% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.