BlastPoint's Banking Scorecard

Columbia Savings and Loan Association

under $100M Specialty: Mortgage WI FDIC cert 28480

Designations: ✓ Community bank ✓ CDFI-certified ✓ Minority Depository Institution ✓ Mutual

Milwaukee, WI

541 banks in the under $100M peer group nationally 11 in WI

Columbia Savings and Loan Association has 1 strength but faces 6 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

+ Net Interest Margin 0.38% above tier average

Key Concerns

Areas that may need attention

- Return on Assets 4.42% below tier average
- Efficiency Ratio 110.63% above tier average
- Delinquency Rate 13.28% above tier average
- Non-Interest-Bearing Deposit Share 22.36% below tier average
- Nonperforming Asset Ratio 10.94% above tier average
- Non-Interest Income / Assets 0.67% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Total Assets ?	$21.2M -12.6% YoY -1.9% QoQ	-$41.0M	$62.2M -0.6% YoY	$1.1B +10.1% YoY	$6.2B +9.1% YoY	Bottom 5.2% in tier
Total Loans ?	$17.0M -12.1% YoY -5.8% QoQ	-$17.3M	$34.2M -1.4% YoY	$816.7M +9.9% YoY	$3.2B +10.8% YoY	23%
Total Deposits ?	$19.7M -10.2% YoY +1.3% QoQ	-$32.0M	$51.7M -0.7% YoY	$905.4M +9.0% YoY	$4.8B +8.2% YoY	Bottom 8.5% in tier
Return on Assets ?	-3.59% -30.7% QoQ	-4.42%	0.84% -2.3% YoY	1.50% +15.4% YoY	1.23% +13.4% YoY	Bottom 3.0% in tier
Net Interest Margin ?	4.24% -28.9% YoY -14.3% QoQ	+0.38%	3.86% +2.8% YoY	3.77% +9.2% YoY	3.89% +5.7% YoY	67%
Efficiency Ratio ?	198.97% +95.4% YoY +28.4% QoQ	+110.63%	88.34% +0.3% YoY	64.74% -4.5% YoY	66.95% -4.1% YoY	Bottom 2.8% in tier
Delinquency Rate ?	14.65% +127.6% YoY -23.3% QoQ	+13.28%	1.37% +33.8% YoY	0.87% +31.3% YoY	0.95% +18.8% YoY	Bottom 0.8% in tier
Loan-to-Deposit Ratio ?	86.06% -2.1% YoY -6.9% QoQ	+21.84%	64.22% -0.7% YoY	86.53% +1.6% YoY	76.70% +0.9% YoY	19%
Non-Interest-Bearing Deposit Share ?	1.35% +99.5% YoY -45.4% QoQ	-22.36%	23.71% +0.3% YoY	18.27% -0.8% YoY	22.01% -1.2% YoY	Bottom 7.4% in tier
Nonperforming Asset Ratio ?	11.73% +128.9% YoY -26.3% QoQ	+10.94%	0.79% +28.2% YoY	0.63% +35.0% YoY	0.67% +19.3% YoY	Bottom 0.6% in tier
Tier 1 Capital Ratio ?	8.45% -31.9% YoY -6.8% QoQ	-18.23%	26.68% +2.0% YoY	14.74% +0.5% YoY	17.06% +0.8% YoY	Bottom 1.1% in tier
Non-Interest Income / Assets ?	0.00% -100.0% YoY -100.0% QoQ	-0.67%	0.67% +1.9% YoY	1.15% +12.5% YoY	0.32% +4.1% YoY	Bottom 2.6% 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 541 peers in under $100M

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (11 metrics)

539

Nonperforming Asset Ratio

credit_quality

Value: 11.73%

Peer Median: 0.79%

#539 of 541 Bottom 0.6% in under $100M

518

Delinquency Rate

credit_quality

Value: 14.65%

Peer Median: 1.37%

#518 of 521 Bottom 0.8% in under $100M

536

Tier 1 Capital Ratio

capital

Value: 8.45%

Peer Median: 26.68%

#536 of 541 Bottom 1.1% in under $100M

528

Non-Interest Income / Assets

revenue_mix

Value: 0.00%

Peer Median: 0.67%

#528 of 541 Bottom 2.6% in under $100M

527

Efficiency Ratio

profitability

Value: 198.97%

Peer Median: 88.34%

#527 of 541 Bottom 2.8% in under $100M

526

Return on Assets

profitability

Value: -3.59%

Peer Median: 0.84%

#526 of 541 Bottom 3.0% in under $100M

514

Total Assets

size

Value: $21.20M

Peer Median: $62.16M

#514 of 541 Bottom 5.2% in under $100M

502

Non-Interest-Bearing Deposit Share

funding

Value: 1.35%

Peer Median: 23.71%

#502 of 541 Bottom 7.4% in under $100M

496

Total Deposits

size

Value: $19.72M

Peer Median: $51.74M

#496 of 541 Bottom 8.5% in under $100M

439

Loan-to-Deposit Ratio

liquidity

Value: 86.06%

Peer Median: 64.22%

#439 of 541 Bottom 19.0% in under $100M