BlastPoint's Banking Scorecard
Ladysmith Federal Savings and Loan Association
Designations: ✓ Community bank ✓ Mutual
Ladysmith, WI
Ladysmith Federal Savings and Loan Association has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 13.23% below tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 37.02% above tier average
- - Nonperforming Asset Ratio 1.36% above tier average
- - ROA 0.17% below tier average
- - Net Interest Margin 0.16% below tier average
- - Delinquency Rate 0.73% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$91.9M
+2.3% YoY
-2.2% QoQ
|
+$29.6M |
$62.3M
-0.5% YoY
|
$1.1B
+10.1% YoY
|
$6.2B
+9.0% YoY
|
Top 10.8% in tier |
| Total Loans ? |
$71.4M
+6.0% YoY
-0.9% QoQ
|
+$37.1M |
$34.3M
-1.5% YoY
|
$816.7M
+9.9% YoY
|
$3.2B
+10.7% YoY
|
Top 4.3% in tier |
| Total Deposits ? |
$70.6M
+7.7% YoY
-1.1% QoQ
|
+$18.8M |
$51.8M
-0.6% YoY
|
$905.4M
+9.0% YoY
|
$4.8B
+8.0% YoY
|
75% |
| Return on Assets ? |
0.69%
+41.5% YoY
+24.9% QoQ
|
-0.17% |
0.86%
-3.6% YoY
|
1.50%
+15.4% YoY
|
1.24%
+13.1% YoY
|
38% |
| Net Interest Margin ? |
3.71%
+19.4% YoY
+13.2% QoQ
|
-0.16% |
3.87%
+2.7% YoY
|
3.77%
+9.2% YoY
|
3.89%
+5.7% YoY
|
44% |
| Efficiency Ratio ? |
74.40%
-9.1% YoY
-2.9% QoQ
|
-13.23% |
87.63%
+2.3% YoY
|
64.74%
-4.5% YoY
|
66.84%
-3.8% YoY
|
45% |
| Delinquency Rate ? |
2.09%
+98.7% YoY
+18.0% QoQ
|
+0.73% |
1.36%
+33.7% YoY
|
0.87%
+31.3% YoY
|
0.95%
+18.8% YoY
|
21% |
| Loan-to-Deposit Ratio ? |
101.13%
-1.6% YoY
+0.1% QoQ
|
+37.02% |
64.11%
-0.9% YoY
|
86.53%
+1.6% YoY
|
76.69%
+0.9% YoY
|
Bottom 6.3% in tier |
| Non-Interest-Bearing Deposit Share ? |
15.05%
+6.1% YoY
-2.7% QoQ
|
-8.73% |
23.79%
+0.5% YoY
|
18.27%
-0.8% YoY
|
22.01%
-1.1% YoY
|
24% |
| Nonperforming Asset Ratio ? |
2.14%
+90.0% YoY
+27.2% QoQ
|
+1.36% |
0.77%
+28.7% YoY
|
0.63%
+35.0% YoY
|
0.66%
+19.3% YoY
|
Bottom 9.1% in tier |
| Tier 1 Capital Ratio ? |
9.17%
-40.8% YoY
-41.6% QoQ
|
-17.60% |
26.77%
+2.0% YoY
|
14.74%
+0.5% YoY
|
17.06%
+0.8% YoY
|
Bottom 1.7% in tier |
| Non-Interest Income / Assets ? |
0.15%
+51.5% YoY
-65.5% QoQ
|
-0.52% |
0.67%
+1.6% YoY
|
1.15%
+12.5% YoY
|
0.32%
+4.0% YoY
|
84% |
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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.