BlastPoint's Banking Scorecard
San Luis Valley Federal Bank
Designations: ✓ Mutual
Alamosa, CO
3 branches across CO
San Luis Valley Federal Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.50% above tier average
- + Delinquency Rate 0.70% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 6.0% in tier
- - ROA 0.16% below tier average
- - Efficiency Ratio 3.86% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$395.5M
+4.4% YoY
+0.6% QoQ
|
+$9.5M |
$386.1M
+0.5% YoY
|
$1.3B
+9.7% YoY
|
$6.2B
+9.1% YoY
|
61% |
| Total Loans ? |
$278.6M
+7.2% YoY
+0.2% QoQ
|
+$22.9M |
$255.7M
+1.1% YoY
|
$851.2M
+6.5% YoY
|
$3.2B
+10.8% YoY
|
64% |
| Total Deposits ? |
$324.1M
+3.5% YoY
+0.2% QoQ
|
-$3.9M |
$328.0M
+0.1% YoY
|
$1.1B
+5.2% YoY
|
$4.8B
+8.2% YoY
|
59% |
| Return on Assets ? |
1.11%
+2.7% YoY
-2.9% QoQ
|
-0.16% |
1.27%
+12.9% YoY
|
0.93%
+11.9% YoY
|
1.23%
+13.4% YoY
|
45% |
| Net Interest Margin ? |
4.43%
-0.0% YoY
-2.0% QoQ
|
+0.50% |
3.93%
+6.0% YoY
|
3.99%
+5.0% YoY
|
3.89%
+5.7% YoY
|
80% |
| Efficiency Ratio ? |
69.15%
-2.4% YoY
+1.1% QoQ
|
+3.86% |
65.29%
-4.5% YoY
|
74.00%
-3.2% YoY
|
66.95%
-4.1% YoY
|
35% |
| Delinquency Rate ? |
0.18%
-52.3% YoY
-1.3% QoQ
|
-0.70% |
0.89%
+18.8% YoY
|
0.67%
-8.3% YoY
|
0.95%
+18.8% YoY
|
66% |
| Loan-to-Deposit Ratio ? |
85.96%
+3.6% YoY
+0.0% QoQ
|
+9.32% |
76.64%
+0.8% YoY
|
78.09%
+0.7% YoY
|
76.70%
+0.9% YoY
|
33% |
| Non-Interest-Bearing Deposit Share ? |
23.91%
+8.6% YoY
+1.6% QoQ
|
+1.89% |
22.02%
-1.0% YoY
|
23.93%
-3.2% YoY
|
22.01%
-1.2% YoY
|
62% |
| Nonperforming Asset Ratio ? |
0.13%
-51.0% YoY
-1.8% QoQ
|
-0.51% |
0.64%
+19.7% YoY
|
0.50%
-1.2% YoY
|
0.67%
+19.3% YoY
|
67% |
| Tier 1 Capital Ratio ? |
29.78%
+3.9% YoY
+5.3% QoQ
|
+13.95% |
15.83%
+1.5% YoY
|
21.66%
+2.9% YoY
|
17.06%
+0.8% YoY
|
Top 3.9% in tier |
| Non-Interest Income / Assets ? |
0.17%
-5.5% YoY
-76.0% QoQ
|
-0.11% |
0.28%
+9.3% YoY
|
0.26%
+10.8% YoY
|
0.32%
+4.1% YoY
|
79% |
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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 (1)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.