BlastPoint's Banking Scorecard
Wallkill Valley Federal Savings and Loan Association
Wallkill, NY
9 branches across NY
Wallkill Valley Federal Savings and Loan Association has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 26.2% in tier
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 30.9% in tier
- - ROA 0.59% below tier average
- - Net Interest Margin 0.25% below tier average
- - Efficiency Ratio 10.85% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$475.7M
+1.4% YoY
+2.3% QoQ
|
+$89.6M |
$386.1M
+0.5% YoY
|
$19.3B
+17.3% YoY
|
$6.2B
+9.1% YoY
|
70% |
| Total Loans ? |
$339.5M
+4.4% YoY
+1.5% QoQ
|
+$83.8M |
$255.7M
+1.1% YoY
|
$8.1B
+14.6% YoY
|
$3.2B
+10.8% YoY
|
73% |
| Total Deposits ? |
$409.1M
+0.9% YoY
+3.3% QoQ
|
+$81.1M |
$328.0M
+0.1% YoY
|
$15.1B
+16.0% YoY
|
$4.8B
+8.2% YoY
|
70% |
| Return on Assets ? |
0.68%
+131.4% YoY
+64.3% QoQ
|
-0.59% |
1.27%
+12.9% YoY
|
0.86%
+14.3% YoY
|
1.23%
+13.4% YoY
|
20% |
| Net Interest Margin ? |
3.68%
+20.3% YoY
+9.5% QoQ
|
-0.25% |
3.93%
+6.0% YoY
|
3.45%
+7.0% YoY
|
3.89%
+5.7% YoY
|
39% |
| Efficiency Ratio ? |
76.14%
-11.3% YoY
-5.7% QoQ
|
+10.85% |
65.29%
-4.5% YoY
|
69.17%
-3.6% YoY
|
66.95%
-4.1% YoY
|
21% |
| Delinquency Rate ? |
0.07%
-42.5% YoY
-43.5% QoQ
|
-0.82% |
0.89%
+18.8% YoY
|
1.13%
+6.9% YoY
|
0.95%
+18.8% YoY
|
77% |
| Loan-to-Deposit Ratio ? |
82.99%
+3.4% YoY
-1.7% QoQ
|
+6.35% |
76.64%
+0.8% YoY
|
77.98%
+0.4% YoY
|
76.70%
+0.9% YoY
|
40% |
| Non-Interest-Bearing Deposit Share ? |
20.64%
+11.5% YoY
+4.4% QoQ
|
-1.38% |
22.02%
-1.0% YoY
|
21.94%
+1.2% YoY
|
22.01%
-1.2% YoY
|
48% |
| Nonperforming Asset Ratio ? |
0.05%
-75.4% YoY
-44.0% QoQ
|
-0.59% |
0.64%
+19.7% YoY
|
0.73%
+4.5% YoY
|
0.67%
+19.3% YoY
|
78% |
| Tier 1 Capital Ratio ? |
13.57%
+10.5% YoY
+0.6% QoQ
|
-2.26% |
15.83%
+1.5% YoY
|
24.83%
+10.8% YoY
|
17.06%
+0.8% YoY
|
53% |
| Non-Interest Income / Assets ? |
0.14%
+25.7% YoY
-75.5% QoQ
|
-0.14% |
0.28%
+9.3% YoY
|
0.21%
+9.1% YoY
|
0.32%
+4.1% YoY
|
70% |
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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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (1)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.