BlastPoint's Banking Scorecard

Haddon Savings Bank

$100M-$1B Specialty: Commercial NJ FDIC cert 28222

Designations: ✓ Mutual

Haddon Heights, NJ

2 branches across NJ

2664 banks in the $100M-$1B peer group nationally 23 in NJ

Haddon Savings Bank has 1 strength 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

+ Delinquency Rate 0.75% below tier average

Key Concerns

Areas that may need attention

- Return on Assets 1.40% below tier average
- Net Interest Margin 2.22% below tier average
- Efficiency Ratio 44.98% above tier average
- Non-Interest-Bearing Deposit Share 21.88% below tier average
- Non-Interest Income / Assets 0.26% below tier average

Get updates when Haddon Savings Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Total Assets ?	$410.9M +2.8% YoY +0.9% QoQ	+$24.8M	$386.1M +0.5% YoY	$4.1B +2.0% YoY	$6.2B +9.1% YoY	63%
Total Loans ?	$253.7M +6.8% YoY +0.6% QoQ	-$2.0M	$255.7M +1.1% YoY	$3.1B +1.9% YoY	$3.2B +10.8% YoY	60%
Total Deposits ?	$354.7M +10.7% YoY +1.3% QoQ	+$26.7M	$328.0M +0.1% YoY	$3.3B +2.8% YoY	$4.8B +8.2% YoY	63%
Return on Assets ?	-0.13% +60.3% YoY +35.7% QoQ	-1.40%	1.27% +12.9% YoY	0.42% -40.1% YoY	1.23% +13.4% YoY	Bottom 2.9% in tier
Net Interest Margin ?	1.71% +15.0% YoY +9.7% QoQ	-2.22%	3.93% +6.0% YoY	3.07% +6.4% YoY	3.89% +5.7% YoY	Bottom 0.4% in tier
Efficiency Ratio ?	110.27% -11.9% YoY -3.1% QoQ	+44.98%	65.29% -4.5% YoY	81.63% +9.7% YoY	66.95% -4.1% YoY	Bottom 1.3% in tier
Delinquency Rate ?	0.14% -80.1% YoY -24.6% QoQ	-0.75%	0.89% +18.8% YoY	0.74% -28.2% YoY	0.95% +18.8% YoY	70%
Loan-to-Deposit Ratio ?	71.52% -3.5% YoY -0.6% QoQ	-5.12%	76.64% +0.8% YoY	82.02% -3.5% YoY	76.70% +0.9% YoY	64%
Non-Interest-Bearing Deposit Share ?	0.14% +88.6% YoY +14.8% QoQ	-21.88%	22.02% -1.0% YoY	16.85% -1.4% YoY	22.01% -1.2% YoY	Bottom 0.6% in tier
Nonperforming Asset Ratio ?	0.09% -79.3% YoY -24.8% QoQ	-0.55%	0.64% +19.7% YoY	0.57% -26.7% YoY	0.67% +19.3% YoY	72%
Tier 1 Capital Ratio ?	13.37% -6.0% YoY -1.6% QoQ	-2.46%	15.83% +1.5% YoY	20.47% +20.0% YoY	17.06% +0.8% YoY	51%
Non-Interest Income / Assets ?	0.02% +28.0% YoY -87.7% QoQ	-0.26%	0.28% +9.3% YoY	0.39% -6.4% YoY	0.32% +4.1% YoY	Bottom 3.7% in tier

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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 (0)

No matched concern signatures this quarter

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 2664 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (5 metrics)

2655

Net Interest Margin

profitability

Value: 1.71%

Peer Median: 3.93%

#2655 of 2664 Bottom 0.4% in $100M-$1B

2648

Non-Interest-Bearing Deposit Share

funding

Value: 0.14%

Peer Median: 22.02%

#2648 of 2664 Bottom 0.6% in $100M-$1B

2631

Efficiency Ratio

profitability

Value: 110.27%

Peer Median: 65.29%

#2631 of 2664 Bottom 1.3% in $100M-$1B

2588

Return on Assets

profitability

Value: -0.13%

Peer Median: 1.27%

#2588 of 2664 Bottom 2.9% in $100M-$1B

2566

Non-Interest Income / Assets

revenue_mix

Value: 0.02%

Peer Median: 0.28%

#2566 of 2664 Bottom 3.7% in $100M-$1B