BlastPoint's Banking Scorecard
First Federal Savings and Loan Association
Designations: ✓ Mutual
Newark, OH
6 branches across OH
First Federal Savings and Loan Association faces 6 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 19.9% in tier
- - Credit Risk Growth: Bottom 28.9% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - Non-Interest-Bearing Deposit Share 15.05% below tier average
- - ROA 0.80% below tier average
- - Net Interest Margin 0.81% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$294.8M
+1.3% YoY
-0.2% QoQ
|
-$91.3M |
$386.1M
+0.5% YoY
|
$35.8B
+10.6% YoY
|
$6.2B
+9.1% YoY
|
45% |
| Total Loans ? |
$211.7M
+2.1% YoY
-0.4% QoQ
|
-$44.1M |
$255.7M
+1.1% YoY
|
$15.7B
+12.8% YoY
|
$3.2B
+10.8% YoY
|
51% |
| Total Deposits ? |
$253.7M
+1.0% YoY
-0.4% QoQ
|
-$74.3M |
$328.0M
+0.1% YoY
|
$25.9B
+8.5% YoY
|
$4.8B
+8.2% YoY
|
45% |
| Return on Assets ? |
0.47%
+182.2% YoY
+37.0% QoQ
|
-0.80% |
1.27%
+12.9% YoY
|
1.12%
+9.9% YoY
|
1.23%
+13.4% YoY
|
Bottom 12.5% in tier |
| Net Interest Margin ? |
3.12%
+18.3% YoY
+8.6% QoQ
|
-0.81% |
3.93%
+6.0% YoY
|
3.58%
+7.5% YoY
|
3.89%
+5.7% YoY
|
15% |
| Efficiency Ratio ? |
81.10%
-11.5% YoY
-5.5% QoQ
|
+15.81% |
65.29%
-4.5% YoY
|
72.65%
-4.0% YoY
|
66.95%
-4.1% YoY
|
Bottom 14.2% in tier |
| Delinquency Rate ? |
1.13%
+81.3% YoY
+10.2% QoQ
|
+0.25% |
0.89%
+18.8% YoY
|
0.65%
+14.5% YoY
|
0.95%
+18.8% YoY
|
26% |
| Loan-to-Deposit Ratio ? |
83.44%
+1.0% YoY
+0.0% QoQ
|
+6.80% |
76.64%
+0.8% YoY
|
79.14%
+0.8% YoY
|
76.70%
+0.9% YoY
|
39% |
| Non-Interest-Bearing Deposit Share ? |
6.97%
+9.3% YoY
-9.5% QoQ
|
-15.05% |
22.02%
-1.0% YoY
|
18.08%
-0.4% YoY
|
22.01%
-1.2% YoY
|
Bottom 5.7% in tier |
| Nonperforming Asset Ratio ? |
0.81%
+82.6% YoY
+10.0% QoQ
|
+0.18% |
0.64%
+19.7% YoY
|
0.44%
+14.5% YoY
|
0.67%
+19.3% YoY
|
25% |
| Tier 1 Capital Ratio ? |
13.91%
+1.0% YoY
+0.7% QoQ
|
-1.92% |
15.83%
+1.5% YoY
|
19.44%
+3.1% YoY
|
17.06%
+0.8% YoY
|
56% |
| Non-Interest Income / Assets ? |
0.10%
+15.0% YoY
-72.9% QoQ
|
-0.18% |
0.28%
+9.3% YoY
|
0.57%
-2.4% YoY
|
0.32%
+4.1% YoY
|
52% |
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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)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.