BlastPoint's Banking Scorecard
Woodruff Federal Savings and Loan Association
Designations: ✓ Mutual
Woodruff, SC
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 27 in SC.
- Deposits +11.7% year over year ($69.0M on the books).
- Delinquency rate 0.43%.
- Return on assets 0.33%.
- Efficiency ratio 83.64% vs a 64.48% peer average.
- Loan-to-deposit ratio 94.07% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Woodruff Federal Savings and Loan Association has 1 strength but faces 8 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.49% below tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 2.1% in tier
- - Liquidity Overhang: Bottom 3.8% in tier
- - Credit Quality Pressure: Bottom 18.5% in tier
- - Liquidity Strain: Bottom 20.3% in tier
- - Efficiency Drag: Bottom 38.0% in tier
- - Return on Assets 0.99% below tier average
- - Net Interest Margin 1.71% below tier average
- - Non-Interest-Bearing Deposit Share 22.03% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$104.2M
+7.7% YoY
+2.4% QoQ
|
-$282.3M |
$386.6M
+1.2% YoY
|
$1.5B
+5.6% YoY
|
$6.3B
+7.7% YoY
|
Bottom 1.1% in tier |
| Total Loans ? |
$65.0M
+2.7% YoY
+1.7% QoQ
|
-$193.4M |
$258.3M
+1.7% YoY
|
$1.0B
+7.6% YoY
|
$3.2B
+9.4% YoY
|
Bottom 5.6% in tier |
| Total Deposits ? |
$69.0M
+11.7% YoY
+3.6% QoQ
|
-$257.7M |
$326.7M
+0.7% YoY
|
$1.3B
+2.8% YoY
|
$4.9B
+7.3% YoY
|
Bottom 0.5% in tier |
| Return on Assets ? |
0.33%
+33.7% YoY
+3.6% QoQ
|
-0.99% |
1.32%
+10.8% YoY
|
1.14%
+28.2% YoY
|
1.30%
+12.1% YoY
|
Bottom 7.9% in tier |
| Net Interest Margin ? |
2.27%
-1.3% YoY
-0.7% QoQ
|
-1.71% |
3.99%
+5.0% YoY
|
3.68%
+4.4% YoY
|
3.95%
+4.9% YoY
|
Bottom 1.6% in tier |
| Efficiency Ratio ? |
83.64%
-5.7% YoY
-0.9% QoQ
|
+19.17% |
64.48%
-3.2% YoY
|
67.24%
-4.2% YoY
|
70.05%
+2.5% YoY
|
Bottom 10.3% in tier |
| Delinquency Rate ? |
0.43%
+3.3% YoY
-38.0% QoQ
|
-0.49% |
0.92%
+15.7% YoY
|
0.46%
-16.5% YoY
|
0.98%
+16.3% YoY
|
50% |
| Loan-to-Deposit Ratio ? |
94.07%
-8.0% YoY
-1.9% QoQ
|
+16.11% |
77.95%
+1.0% YoY
|
74.60%
+2.0% YoY
|
79.03%
+2.3% YoY
|
18% |
| Non-Interest-Bearing Deposit Share ? | 0.00% | -22.03% |
22.03%
-0.6% YoY
|
21.25%
-0.8% YoY
|
21.98%
-0.6% YoY
|
Bottom 0.5% in tier |
| Nonperforming Asset Ratio ? |
0.27%
-1.5% YoY
-38.4% QoQ
|
-0.40% |
0.67%
+16.4% YoY
|
0.29%
-15.5% YoY
|
0.69%
+15.8% YoY
|
54% |
| Tier 1 Capital Ratio ? |
31.47%
-4.7% YoY
-2.6% QoQ
|
+15.56% |
15.91%
+1.4% YoY
|
17.16%
+0.2% YoY
|
17.09%
+0.8% YoY
|
Top 3.6% in tier |
| Non-Interest Income / Assets ? |
0.07%
-9.7% YoY
+98.0% QoQ
|
-0.50% |
0.57%
+7.6% YoY
|
0.29%
+23.1% YoY
|
0.66%
+5.2% YoY
|
Bottom 9.9% in tier |
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 (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing | n/a | n/a | 22.1% | 21.7% | 22.2% | n/a |
| Brokered Deposits | n/a | n/a | 7.9% | 10.6% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I | n/a | n/a | 11.6% | 9.8% | 12.5% | n/a |
| CRE |
19.6%
-1.9pp YoY +0.7pp QoQ |
-19.9pp | 39.5% | 43.3% | 41.4% | 17% |
| 1-4 Family |
81.4%
+1.8pp YoY -0.7pp QoQ |
+48.8pp | 32.6% | 44.4% | 31.3% | 97% |
| Consumer | n/a | n/a | 4.1% | 4.5% | 5.0% | n/a |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 18.1% | 19.7% | n/a |
| Leverage Ratio |
31.5%
-1.6pp YoY -0.9pp QoQ |
+19.3pp | 12.2% | 12.3% | 12.6% | 99% |
| Total Capital Ratio | n/a | n/a | 19.9% | 19.1% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
10
0 YoY 0 QoQ |
-49 | 58 | 174 | 482 | 1% |
| Assets per Employee ($) |
$10.4M
+7.7% YoY +2.4% QoQ |
+$2.9M | $7.5M | $7.8M | $8.8M | 88% |
| Branch Count |
1
0 YoY 0 QoQ |
-4 | 4 | 12 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.0% | 0.4% | n/a |
| Nonaccrual |
0.4%
0.0pp YoY -0.3pp QoQ |
-0.5pp | 0.9% | 0.5% | 1.0% | 48% |
| Allowance Coverage |
2.53x
-5.8% YoY +58.5% QoQ |
-21.63x | 24.15x | 15.59x | 20.23x | 54% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
1.0%
+0.3pp YoY +0.1pp QoQ |
-11.2pp | 12.2% | 11.7% | 11.6% | 4% |
| Cost of Funds (YTD) |
2.3%
+0.1pp YoY 0.0pp QoQ |
+0.6pp | 1.7% | 1.6% | 1.7% | 83% |
| Net Income ($, YTD) |
$166,000
+40.7% YoY — QoQ |
-$2.4M | $2.6M | $9.6M | $40.4M | 5% |
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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 (5)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
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.