BlastPoint's Banking Scorecard
Mutual Savings and Loan Association
Designations: ✓ Community bank
Metairie, LA
2 branches across LA
Mutual Savings and Loan Association has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.94% below tier average
Key Concerns
Areas that may need attention
- - Return on Assets 1.54% below tier average
- - Efficiency Ratio 30.68% above tier average
- - Loan-to-Deposit Ratio 85.84% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$37.5M
-0.9% YoY
+0.4% QoQ
|
-$24.6M |
$62.2M
-0.6% YoY
|
$784.8M
+7.0% YoY
|
$6.2B
+9.1% YoY
|
18% |
| Total Loans ? |
$30.4M
-1.2% YoY
-0.9% QoQ
|
-$3.8M |
$34.2M
-1.4% YoY
|
$523.7M
+4.0% YoY
|
$3.2B
+10.8% YoY
|
46% |
| Total Deposits ? |
$20.3M
-0.9% YoY
+1.0% QoQ
|
-$31.5M |
$51.7M
-0.7% YoY
|
$671.5M
+6.9% YoY
|
$4.8B
+8.2% YoY
|
Bottom 9.8% in tier |
| Return on Assets ? |
-0.70%
-140.4% YoY
-70.6% QoQ
|
-1.54% |
0.84%
-2.3% YoY
|
1.24%
+12.4% YoY
|
1.23%
+13.4% YoY
|
Bottom 9.6% in tier |
| Net Interest Margin ? |
3.84%
+11.0% YoY
+3.9% QoQ
|
-0.02% |
3.86%
+2.8% YoY
|
4.12%
+1.2% YoY
|
3.89%
+5.7% YoY
|
51% |
| Efficiency Ratio ? |
119.02%
+7.0% YoY
+5.2% QoQ
|
+30.68% |
88.34%
+0.3% YoY
|
70.37%
-1.0% YoY
|
66.95%
-4.1% YoY
|
Bottom 8.5% in tier |
| Delinquency Rate ? |
0.43%
-0.6% QoQ
|
-0.94% |
1.37%
+33.8% YoY
|
1.51%
+4.5% YoY
|
0.95%
+18.8% YoY
|
50% |
| Loan-to-Deposit Ratio ? |
150.05%
-0.3% YoY
-1.9% QoQ
|
+85.84% |
64.22%
-0.7% YoY
|
75.16%
-1.5% YoY
|
76.70%
+0.9% YoY
|
Bottom 0.9% in tier |
| Non-Interest-Bearing Deposit Share ? |
11.71%
+57.8% YoY
+9.7% QoQ
|
-12.01% |
23.71%
+0.3% YoY
|
24.55%
-1.4% YoY
|
22.01%
-1.2% YoY
|
18% |
| Nonperforming Asset Ratio ? |
0.35%
-1.9% QoQ
|
-0.44% |
0.79%
+28.2% YoY
|
1.07%
+4.2% YoY
|
0.67%
+19.3% YoY
|
45% |
| Tier 1 Capital Ratio ? |
98.44%
+0.8% YoY
+0.8% QoQ
|
+71.76% |
26.68%
+2.0% YoY
|
16.56%
+0.4% YoY
|
17.06%
+0.8% YoY
|
Top 3.1% in tier |
| Non-Interest Income / Assets ? |
0.02%
-10.3% YoY
-76.6% QoQ
|
-0.64% |
0.67%
+1.9% YoY
|
0.11%
-17.3% YoY
|
0.32%
+4.1% YoY
|
Bottom 14.8% in tier |
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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.