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 0.93% below tier average
Key Concerns
Areas that may need attention
- - Return on Assets 1.56% below tier average
- - Efficiency Ratio 31.39% above tier average
- - Loan-to-Deposit Ratio 85.94% 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
|
-$24.7M |
$62.3M
-0.5% YoY
|
$784.8M
+7.0% YoY
|
$6.2B
+9.0% YoY
|
18% |
| Total Loans ? |
$30.4M
-1.2% YoY
-0.9% QoQ
|
-$3.9M |
$34.3M
-1.5% YoY
|
$523.7M
+4.0% YoY
|
$3.2B
+10.7% YoY
|
46% |
| Total Deposits ? |
$20.3M
-0.9% YoY
+1.0% QoQ
|
-$31.5M |
$51.8M
-0.6% YoY
|
$671.5M
+6.9% YoY
|
$4.8B
+8.0% YoY
|
Bottom 9.5% in tier |
| Return on Assets ? |
-0.70%
-140.4% YoY
-70.6% QoQ
|
-1.56% |
0.86%
-3.6% YoY
|
1.24%
+12.4% YoY
|
1.24%
+13.1% YoY
|
Bottom 9.3% in tier |
| Net Interest Margin ? |
3.84%
+11.0% YoY
+3.9% QoQ
|
-0.03% |
3.87%
+2.7% YoY
|
4.12%
+1.2% YoY
|
3.89%
+5.7% YoY
|
51% |
| Efficiency Ratio ? |
119.02%
+7.0% YoY
+5.2% QoQ
|
+31.39% |
87.63%
+2.3% YoY
|
70.37%
-1.0% YoY
|
66.84%
-3.8% YoY
|
Bottom 8.0% in tier |
| Delinquency Rate ? |
0.43%
-0.6% QoQ
|
-0.93% |
1.36%
+33.7% YoY
|
1.51%
+4.5% YoY
|
0.95%
+18.8% YoY
|
50% |
| Loan-to-Deposit Ratio ? |
150.05%
-0.3% YoY
-1.9% QoQ
|
+85.94% |
64.11%
-0.9% YoY
|
75.16%
-1.5% YoY
|
76.69%
+0.9% YoY
|
Bottom 0.9% in tier |
| Non-Interest-Bearing Deposit Share ? |
11.71%
+57.8% YoY
+9.7% QoQ
|
-12.08% |
23.79%
+0.5% YoY
|
24.55%
-1.4% YoY
|
22.01%
-1.1% YoY
|
17% |
| Nonperforming Asset Ratio ? |
0.35%
-1.9% QoQ
|
-0.42% |
0.77%
+28.7% YoY
|
1.07%
+4.2% YoY
|
0.66%
+19.3% YoY
|
45% |
| Tier 1 Capital Ratio ? |
98.44%
+0.8% YoY
+0.8% QoQ
|
+71.67% |
26.77%
+2.0% YoY
|
16.56%
+0.4% YoY
|
17.06%
+0.8% YoY
|
Top 3.2% in tier |
| Non-Interest Income / Assets ? |
0.02%
-10.3% YoY
-76.6% QoQ
|
-0.65% |
0.67%
+1.6% YoY
|
0.11%
-17.3% YoY
|
0.32%
+4.0% YoY
|
Bottom 14.9% 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.