BlastPoint's Banking Scorecard

Yakima Federal Savings and Loan Association

$1B-$10B Specialty: Mortgage WA FDIC cert 28116

Designations: ✓ Community bank ✓ Mutual

Yakima, WA

10 branches across WA

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 885 banks in the $1B-$10B peer group nationwide — 1 of 12 in WA.
Deposits -2.4% year over year ($1.4B on the books).
Delinquency rate 0.29%.
Return on assets 0.94%.
Efficiency ratio 52.37% vs a 59.73% peer average.
Loan-to-deposit ratio 66.27% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 12 in WA

View $1B-$10B leaderboard (WA) →

Yakima Federal Savings and Loan Association has 2 strengths but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Efficiency Ratio 7.36% below tier average
+ Delinquency Rate 0.58% below tier average

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 19.1% in tier
- Liquidity Overhang: Bottom 23.8% in tier
- Net Interest Margin 1.59% below tier average
- Non-Interest-Bearing Deposit Share 13.50% below tier average
- ROA 0.45% below tier average

Get updates when Yakima Federal Savings and Loan Association releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
Total Assets ?	$2.0B -0.8% YoY -0.7% QoQ	-$796.2M	$2.8B -0.6% YoY	$3.2B +7.3% YoY	$6.3B +7.7% YoY	49%
Total Loans ?	$908.3M +4.6% YoY +0.4% QoQ	-$1.1B	$2.0B -0.3% YoY	$2.3B +6.2% YoY	$3.2B +9.4% YoY	25%
Total Deposits ?	$1.4B -2.4% YoY -1.2% QoQ	-$948.1M	$2.3B -0.5% YoY	$2.6B +6.6% YoY	$4.9B +7.3% YoY	40%
Return on Assets ?	0.94% +19.9% YoY -2.5% QoQ	-0.45%	1.39% +17.0% YoY	0.49% -20.7% YoY	1.30% +12.1% YoY	25%
Net Interest Margin ?	2.28% +13.3% YoY +0.5% QoQ	-1.59%	3.87% +6.2% YoY	3.77% +1.0% YoY	3.95% +4.9% YoY	Bottom 2.6% in tier
Efficiency Ratio ?	52.37% -10.4% YoY +0.6% QoQ	-7.36%	59.73% -12.6% YoY	77.86% +4.3% YoY	70.05% +2.5% YoY	71%
Delinquency Rate ?	0.29% -9.2% YoY -16.0% QoQ	-0.58%	0.87% +11.7% YoY	2.42% +282.9% YoY	0.98% +16.3% YoY	70%
Loan-to-Deposit Ratio ?	66.27% +7.2% YoY +1.7% QoQ	-18.77%	85.04% -0.1% YoY	82.67% -3.3% YoY	79.03% +2.3% YoY	Top 11.9% in tier
Non-Interest-Bearing Deposit Share ?	7.77% +85.0% YoY +4.9% QoQ	-13.50%	21.27% -1.5% YoY	25.26% +1.1% YoY	21.98% -0.6% YoY	Bottom 6.9% in tier
Nonperforming Asset Ratio ?	0.13% -4.3% YoY -15.1% QoQ	-0.54%	0.67% +11.7% YoY	1.67% +187.6% YoY	0.69% +15.8% YoY	81%
Tier 1 Capital Ratio ?	28.14% +4.8% YoY +1.5% QoQ	+13.30%	14.84% -0.4% YoY	12.96% -1.6% YoY	17.09% +0.8% YoY	Top 2.8% in tier
Non-Interest Income / Assets ?	0.16% -25.3% YoY +67.7% QoQ	-0.37%	0.53% +2.5% YoY	0.42% +15.9% YoY	0.66% +5.2% YoY	22%

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 (WA)	National Avg	Tier Percentile
Noninterest-Bearing	7.8% +3.6pp YoY +0.4pp QoQ	-13.6pp	21.4%	25.3%	22.2%	6%
Brokered Deposits	n/a	n/a	9.5%	8.9%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
C&I	n/a	n/a	14.0%	10.5%	12.5%	n/a
CRE	11.3% +0.6pp YoY +0.5pp QoQ	-38.7pp	50.0%	50.6%	41.4%	1%
1-4 Family	89.2% -0.7pp YoY -0.5pp QoQ	+62.8pp	26.4%	30.1%	31.3%	99%
Consumer	0.1% 0.0pp YoY 0.0pp QoQ	-4.7pp	4.7%	7.9%	5.0%	9%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	15.6%	12.7%	19.7%	n/a
Leverage Ratio	28.1% +1.3pp YoY +0.4pp QoQ	+16.8pp	11.3%	10.7%	12.6%	99%
Total Capital Ratio	n/a	n/a	16.7%	13.8%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
Full-Time Employees	133 0 YoY +1 (+0.8%) QoQ	-181	313	343	482	18%
Assets per Employee ($)	$15.0M -0.8% YoY -1.5% QoQ	+$4.5M	$10.5M	$8.5M	$8.8M	89%
Branch Count	10 0 YoY 0 QoQ	-10	20	24	18	29%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.4%	0.4%	n/a
Nonaccrual	0.3% 0.0pp YoY -0.1pp QoQ	-0.5pp	0.8%	2.6%	1.0%	29%
Allowance Coverage	1.97x +13.5% YoY +19.6% QoQ	-16.74x	18.71x	4.50x	20.23x	48%
Net Charge-off Rate (YTD)	n/a	n/a	0.3%	0.4%	0.2%	n/a

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
ROE	3.4% +0.4pp YoY -0.1pp QoQ	-9.2pp	12.6%	-2.7%	11.6%	4%
Cost of Funds (YTD)	1.6% -0.2pp YoY 0.0pp QoQ	-0.3pp	1.9%	1.8%	1.7%	30%
Net Income ($, YTD)	$9.4M +18.6% YoY — QoQ	-$9.8M	$19.2M	$14.3M	$40.4M	37%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Flatlined Growth

risk

#32 of 162 • Bottom 19.1% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.94%

(Tier: 1.39%, National: 1.30%)

worse than tier avg

162 of 162 Mid-Market banks match · 719 nationally

→ Stable +34 banks QoQ | QoQ rank declining

Liquidity Overhang

risk

#42 of 172 • Bottom 23.8% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 28.14%

(Tier: 14.84%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 66.27%

(Tier: 85.04%, National: 79.03%)

better than tier avg

172 of 172 Mid-Market banks match · 940 nationally

→ Stable +7 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (3 metrics)

Tier 1 Capital Ratio

capital

Value: 28.14%

Peer Median: 14.84%

#26 of 885 Top 2.8% in $1B-$10B

106

Loan-to-Deposit Ratio

liquidity

Value: 66.27%

Peer Median: 85.04%

#106 of 885 Top 11.9% in $1B-$10B

165

Nonperforming Asset Ratio

credit_quality

Value: 0.13%

Peer Median: 0.67%

#165 of 885 Top 18.5% in $1B-$10B

Top Weaknesses (3 metrics)

863

Net Interest Margin

profitability

Value: 2.28%

Peer Median: 3.87%

#863 of 885 Bottom 2.6% in $1B-$10B

825

Non-Interest-Bearing Deposit Share

funding

Value: 7.77%

Peer Median: 21.27%

#825 of 885 Bottom 6.9% in $1B-$10B

694

Non-Interest Income / Assets

revenue_mix

Value: 0.16%

Peer Median: 0.53%

#694 of 885 Bottom 21.7% in $1B-$10B