BlastPoint's Banking Scorecard
Citizens Federal Savings and Loan Association
Designations: ✓ Community bank ✓ Mutual
Covington, KY
Citizens Federal Savings and Loan Association has 1 strength but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 1.28% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.49% below tier average
- - Loan-to-Deposit Ratio 50.82% above tier average
- - Non-Interest-Bearing Deposit Share 23.13% below tier average
- - Non-Interest Income / Assets 0.66% below tier average
- - ROA 0.65% below tier average
- - Efficiency Ratio 11.55% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$40.6M
-3.3% YoY
-0.7% QoQ
|
-$21.7M |
$62.3M
-0.5% YoY
|
$702.0M
+4.4% YoY
|
$6.2B
+9.0% YoY
|
22% |
| Total Loans ? |
$30.7M
-1.6% YoY
-3.4% QoQ
|
-$3.5M |
$34.3M
-1.5% YoY
|
$492.7M
+5.5% YoY
|
$3.2B
+10.7% YoY
|
47% |
| Total Deposits ? |
$26.8M
-3.7% YoY
-0.5% QoQ
|
-$25.1M |
$51.8M
-0.6% YoY
|
$590.5M
+4.1% YoY
|
$4.8B
+8.0% YoY
|
17% |
| Return on Assets ? |
0.21%
+456.4% YoY
+99.1% QoQ
|
-0.65% |
0.86%
-3.6% YoY
|
1.25%
+16.2% YoY
|
1.24%
+13.1% YoY
|
19% |
| Net Interest Margin ? |
2.38%
+13.5% YoY
+6.7% QoQ
|
-1.49% |
3.87%
+2.7% YoY
|
3.88%
+7.4% YoY
|
3.89%
+5.7% YoY
|
Bottom 5.4% in tier |
| Efficiency Ratio ? |
99.18%
+0.1% YoY
+6.8% QoQ
|
+11.55% |
87.63%
+2.3% YoY
|
64.22%
-6.1% YoY
|
66.84%
-3.8% YoY
|
Bottom 13.6% in tier |
| Delinquency Rate ? |
0.08%
-3.8% QoQ
|
-1.28% |
1.36%
+33.7% YoY
|
0.89%
+17.0% YoY
|
0.95%
+18.8% YoY
|
65% |
| Loan-to-Deposit Ratio ? |
114.93%
+2.2% YoY
-3.0% QoQ
|
+50.82% |
64.11%
-0.9% YoY
|
80.71%
+1.5% YoY
|
76.69%
+0.9% YoY
|
Bottom 2.4% in tier |
| Non-Interest-Bearing Deposit Share ? |
0.66%
+45.1% YoY
+293.1% QoQ
|
-23.13% |
23.79%
+0.5% YoY
|
23.47%
-1.8% YoY
|
22.01%
-1.1% YoY
|
Bottom 6.1% in tier |
| Nonperforming Asset Ratio ? |
0.06%
-6.5% QoQ
|
-0.71% |
0.77%
+28.7% YoY
|
0.61%
+22.3% YoY
|
0.66%
+19.3% YoY
|
63% |
| Tier 1 Capital Ratio ? |
58.69%
+2.6% YoY
+2.1% QoQ
|
+31.91% |
26.77%
+2.0% YoY
|
14.97%
-0.1% YoY
|
17.06%
+0.8% YoY
|
Top 6.1% in tier |
| Non-Interest Income / Assets ? |
0.01%
+3.4% YoY
-75.8% QoQ
|
-0.66% |
0.67%
+1.6% YoY
|
0.16%
+4.4% YoY
|
0.32%
+4.0% YoY
|
Bottom 9.9% 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.