BlastPoint's Banking Scorecard
Wallkill Valley Federal Savings and Loan Association
Wallkill, NY
9 branches across NY
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 48 in NY.
- Deposits +1.5% year over year ($416.7M on the books).
- Delinquency rate 0.00%.
- Return on assets 0.68%.
- Efficiency ratio 74.61% vs a 64.48% peer average.
- Loan-to-deposit ratio 83.61% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Wallkill Valley Federal Savings and Loan Association has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.92% below tier average
- + Nonperforming Asset Ratio 0.67% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.64% below tier average
- - Net Interest Margin 0.25% below tier average
- - Efficiency Ratio 10.13% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$485.0M
+2.6% YoY
+1.9% QoQ
|
+$98.4M |
$386.6M
+1.2% YoY
|
$19.3B
+10.2% YoY
|
$6.3B
+7.7% YoY
|
70% |
| Total Loans ? |
$348.4M
+4.3% YoY
+2.6% QoQ
|
+$90.0M |
$258.3M
+1.7% YoY
|
$8.2B
+12.4% YoY
|
$3.2B
+9.4% YoY
|
74% |
| Total Deposits ? |
$416.7M
+1.5% YoY
+1.9% QoQ
|
+$90.0M |
$326.7M
+0.7% YoY
|
$14.8B
+8.7% YoY
|
$4.9B
+7.3% YoY
|
71% |
| Return on Assets ? |
0.68%
+74.3% YoY
+0.5% QoQ
|
-0.64% |
1.32%
+10.8% YoY
|
0.94%
+14.0% YoY
|
1.30%
+12.1% YoY
|
18% |
| Net Interest Margin ? |
3.74%
+18.6% YoY
+1.7% QoQ
|
-0.25% |
3.99%
+5.0% YoY
|
3.52%
+6.2% YoY
|
3.95%
+4.9% YoY
|
39% |
| Efficiency Ratio ? |
74.61%
-8.5% YoY
-2.0% QoQ
|
+10.13% |
64.48%
-3.2% YoY
|
67.96%
-1.8% YoY
|
70.05%
+2.5% YoY
|
21% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.92% |
0.92%
+15.7% YoY
|
1.19%
+15.7% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
83.61%
+2.7% YoY
+0.7% QoQ
|
+5.65% |
77.95%
+1.0% YoY
|
79.34%
+1.1% YoY
|
79.03%
+2.3% YoY
|
41% |
| Non-Interest-Bearing Deposit Share ? |
20.76%
+7.1% YoY
+0.6% QoQ
|
-1.27% |
22.03%
-0.6% YoY
|
22.09%
+0.6% YoY
|
21.98%
-0.6% YoY
|
49% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.67% |
0.67%
+16.4% YoY
|
0.79%
+14.5% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
13.55%
+6.0% YoY
-0.1% QoQ
|
-2.36% |
15.91%
+1.4% YoY
|
23.90%
+5.3% YoY
|
17.09%
+0.8% YoY
|
54% |
| Non-Interest Income / Assets ? |
0.27%
-3.7% YoY
+92.4% QoQ
|
-0.30% |
0.57%
+7.6% YoY
|
0.52%
+23.2% YoY
|
0.66%
+5.2% YoY
|
67% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
20.8%
+1.4pp YoY +0.1pp QoQ |
-1.4pp | 22.1% | 22.1% | 22.2% | 48% |
| Brokered Deposits |
5.0%
+0.1pp YoY -0.5pp QoQ |
-2.8pp | 7.9% | 8.0% | 8.5% | 52% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
8.1%
-1.1pp YoY -0.3pp QoQ |
-3.5pp | 11.6% | 11.0% | 12.5% | 41% |
| CRE |
24.8%
-2.2pp YoY -0.1pp QoQ |
-14.7pp | 39.5% | 46.2% | 41.4% | 26% |
| 1-4 Family |
66.2%
+3.6pp YoY +0.3pp QoQ |
+33.5pp | 32.6% | 36.6% | 31.3% | 93% |
| Consumer |
0.6%
-0.2pp YoY -0.1pp QoQ |
-3.5pp | 4.1% | 5.1% | 5.0% | 18% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
13.6%
+0.8pp YoY 0.0pp QoQ |
-5.3pp | 18.8% | 26.1% | 19.7% | 34% |
| Leverage Ratio |
9.2%
+0.4pp YoY 0.0pp QoQ |
-3.0pp | 12.2% | 13.9% | 12.6% | 15% |
| Total Capital Ratio |
14.8%
+0.9pp YoY 0.0pp QoQ |
-5.2pp | 19.9% | 27.2% | 20.8% | 35% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
72
0 YoY -3 (-4.0%) QoQ |
+13 | 58 | 914 | 482 | 72% |
| Assets per Employee ($) |
$6.7M
+2.6% YoY +6.2% QoQ |
-$783K | $7.5M | $14.8M | $8.8M | 47% |
| Branch Count |
9
0 YoY 0 QoQ |
+4 | 4 | 27 | 18 | 86% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.1% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.9% | 1.3% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 24.15x | 1.92x | 20.23x | n/a |
| Net Charge-off Rate (YTD) |
-0.0%
-0.1pp YoY 0.0pp QoQ |
-0.2pp | 0.1% | 0.1% | 0.2% | 17% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
7.0%
+2.8pp YoY 0.0pp QoQ |
-5.2pp | 12.2% | 7.9% | 11.6% | 21% |
| Cost of Funds (YTD) |
1.7%
-0.4pp YoY 0.0pp QoQ |
-0.1pp | 1.7% | 1.8% | 1.7% | 48% |
| Net Income ($, YTD) |
$1.6M
+76.9% YoY — QoQ |
-$936K | $2.6M | $111.2M | $40.4M | 44% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.