BlastPoint's Banking Scorecard
Olympia Federal Savings and Loan Association
Designations: ✓ Community bank ✓ Mutual
Olympia, WA
9 branches across WA
Olympia Federal Savings and Loan Association has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.51% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 20.7% in tier
- - Efficiency Drag: Bottom 21.6% in tier
- - Liquidity Strain: Bottom 47.9% in tier
- - Return on Assets 1.03% below tier average
- - Net Interest Margin 1.10% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.0B
+2.6% YoY
-1.7% QoQ
|
-$1.8B |
$2.8B
-0.1% YoY
|
$3.1B
+4.0% YoY
|
$6.2B
+9.1% YoY
|
Bottom 0.8% in tier |
| Total Loans ? |
$851.2M
+0.5% YoY
-1.2% QoQ
|
-$1.1B |
$2.0B
+0.6% YoY
|
$2.2B
+2.0% YoY
|
$3.2B
+10.8% YoY
|
19% |
| Total Deposits ? |
$731.4M
+3.7% YoY
-0.2% QoQ
|
-$1.6B |
$2.3B
-0.3% YoY
|
$2.5B
+4.5% YoY
|
$4.8B
+8.2% YoY
|
Bottom 0.9% in tier |
| Return on Assets ? |
0.34%
-19.3% YoY
+33.8% QoQ
|
-1.03% |
1.37%
+19.6% YoY
|
0.33%
-42.8% YoY
|
1.23%
+13.4% YoY
|
Bottom 6.6% in tier |
| Net Interest Margin ? |
2.72%
+13.9% YoY
+10.5% QoQ
|
-1.10% |
3.82%
+6.9% YoY
|
3.69%
+1.2% YoY
|
3.89%
+5.7% YoY
|
Bottom 8.5% in tier |
| Efficiency Ratio ? |
84.42%
+6.6% YoY
-3.9% QoQ
|
+23.36% |
61.06%
-4.6% YoY
|
71.09%
-8.1% YoY
|
66.95%
-4.1% YoY
|
Bottom 5.4% in tier |
| Delinquency Rate ? |
0.37%
+19.0% YoY
+19.1% QoQ
|
-0.51% |
0.89%
+14.1% YoY
|
1.35%
+102.7% YoY
|
0.95%
+18.8% YoY
|
64% |
| Loan-to-Deposit Ratio ? |
116.39%
-3.1% YoY
-1.0% QoQ
|
+32.18% |
84.20%
+0.3% YoY
|
81.10%
-2.4% YoY
|
76.70%
+0.9% YoY
|
Bottom 2.7% in tier |
| Non-Interest-Bearing Deposit Share ? |
10.75%
+17.7% YoY
+1.4% QoQ
|
-10.54% |
21.29%
-2.5% YoY
|
25.15%
+1.1% YoY
|
22.01%
-1.2% YoY
|
Bottom 13.5% in tier |
| Nonperforming Asset Ratio ? |
0.32%
+16.5% YoY
+19.7% QoQ
|
-0.36% |
0.67%
+15.6% YoY
|
0.95%
+54.5% YoY
|
0.67%
+19.3% YoY
|
61% |
| Tier 1 Capital Ratio ? |
12.03%
+0.4% YoY
+0.5% QoQ
|
-3.13% |
15.16%
+2.0% YoY
|
13.58%
+1.6% YoY
|
17.06%
+0.8% YoY
|
31% |
| Non-Interest Income / Assets ? |
0.05%
-25.4% YoY
-77.2% QoQ
|
-0.21% |
0.26%
+1.6% YoY
|
0.20%
+3.0% YoY
|
0.32%
+4.1% YoY
|
Bottom 10.4% in tier |
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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 (3)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.