BlastPoint's Banking Scorecard
Yakima Federal Savings and Loan Association
Designations: ✓ Community bank ✓ Mutual
Yakima, WA
10 branches across WA
Yakima Federal Savings and Loan Association has 2 strengths but faces 7 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 9.00% below tier average
- + Delinquency Rate 0.55% below tier average
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 16.7% in tier
- - Credit Quality Pressure: Bottom 19.9% in tier
- - Liquidity Overhang: Bottom 27.6% in tier
- - Credit Risk Growth: Bottom 35.7% in tier
- - Net Interest Margin 1.55% below tier average
- - Non-Interest-Bearing Deposit Share 13.88% below tier average
- - ROA 0.40% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.0B
-1.3% YoY
+0.2% QoQ
|
-$804.2M |
$2.8B
-0.1% YoY
|
$3.1B
+4.0% YoY
|
$6.2B
+9.1% YoY
|
51% |
| Total Loans ? |
$904.7M
+7.8% YoY
-0.1% QoQ
|
-$1.1B |
$2.0B
+0.6% YoY
|
$2.2B
+2.0% YoY
|
$3.2B
+10.8% YoY
|
25% |
| Total Deposits ? |
$1.4B
-3.4% YoY
-0.1% QoQ
|
-$955.6M |
$2.3B
-0.3% YoY
|
$2.5B
+4.5% YoY
|
$4.8B
+8.2% YoY
|
41% |
| Return on Assets ? |
0.96%
+46.3% YoY
+17.3% QoQ
|
-0.40% |
1.37%
+19.6% YoY
|
0.33%
-42.8% YoY
|
1.23%
+13.4% YoY
|
30% |
| Net Interest Margin ? |
2.26%
+14.1% YoY
+9.0% QoQ
|
-1.55% |
3.82%
+6.9% YoY
|
3.69%
+1.2% YoY
|
3.89%
+5.7% YoY
|
Bottom 3.3% in tier |
| Efficiency Ratio ? |
52.06%
-16.1% YoY
-5.3% QoQ
|
-9.00% |
61.06%
-4.6% YoY
|
71.09%
-8.1% YoY
|
66.95%
-4.1% YoY
|
72% |
| Delinquency Rate ? |
0.34%
+23.4% YoY
+28.3% QoQ
|
-0.55% |
0.89%
+14.1% YoY
|
1.35%
+102.7% YoY
|
0.95%
+18.8% YoY
|
66% |
| Loan-to-Deposit Ratio ? |
65.19%
+11.6% YoY
+0.0% QoQ
|
-19.02% |
84.20%
+0.3% YoY
|
81.10%
-2.4% YoY
|
76.70%
+0.9% YoY
|
Top 12.2% in tier |
| Non-Interest-Bearing Deposit Share ? |
7.41%
+71.4% YoY
+57.7% QoQ
|
-13.88% |
21.29%
-2.5% YoY
|
25.15%
+1.1% YoY
|
22.01%
-1.2% YoY
|
Bottom 7.4% in tier |
| Nonperforming Asset Ratio ? |
0.15%
+34.8% YoY
+27.9% QoQ
|
-0.52% |
0.67%
+15.6% YoY
|
0.95%
+54.5% YoY
|
0.67%
+19.3% YoY
|
79% |
| Tier 1 Capital Ratio ? |
27.73%
+4.7% YoY
+1.2% QoQ
|
+12.57% |
15.16%
+2.0% YoY
|
13.58%
+1.6% YoY
|
17.06%
+0.8% YoY
|
Top 2.8% in tier |
| Non-Interest Income / Assets ? |
0.10%
+31.9% YoY
-70.2% QoQ
|
-0.16% |
0.26%
+1.6% YoY
|
0.20%
+3.0% YoY
|
0.32%
+4.1% YoY
|
30% |
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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 (4)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.