BlastPoint's Banking Scorecard

Cumberland Federal Bank, FSB

$100M-$1B Specialty: Mortgage WI FDIC cert 29293

Designations: ✓ Mutual

Cumberland, WI

2 branches across WI

2664 banks in the $100M-$1B peer group nationally 113 in WI

Cumberland Federal Bank, FSB has 3 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Efficiency Ratio 24.78% below tier average
+ ROA 0.07% above tier average
+ Delinquency Rate 0.77% below tier average

Key Concerns

Areas that may need attention

- Non-Interest-Bearing Deposit Share 17.38% below tier average
- Net Interest Margin 0.82% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Total Assets ?	$328.6M +11.8% YoY -0.1% QoQ	-$57.5M	$386.1M +0.5% YoY	$1.1B +10.1% YoY	$6.2B +9.1% YoY	51%
Total Loans ?	$169.2M +13.1% YoY -1.3% QoQ	-$86.5M	$255.7M +1.1% YoY	$816.7M +9.9% YoY	$3.2B +10.8% YoY	41%
Total Deposits ?	$262.1M +7.3% YoY -3.9% QoQ	-$65.8M	$328.0M +0.1% YoY	$905.4M +9.0% YoY	$4.8B +8.2% YoY	47%
Return on Assets ?	1.34% +16.8% YoY +18.0% QoQ	+0.07%	1.27% +12.9% YoY	1.50% +15.4% YoY	1.23% +13.4% YoY	58%
Net Interest Margin ?	3.12% +11.5% YoY +4.9% QoQ	-0.82%	3.93% +6.0% YoY	3.77% +9.2% YoY	3.89% +5.7% YoY	Bottom 14.9% in tier
Efficiency Ratio ?	40.51% -19.5% YoY -17.3% QoQ	-24.78%	65.29% -4.5% YoY	64.74% -4.5% YoY	66.95% -4.1% YoY	Top 4.6% in tier
Delinquency Rate ?	0.11% -78.4% YoY -70.3% QoQ	-0.77%	0.89% +18.8% YoY	0.87% +31.3% YoY	0.95% +18.8% YoY	72%
Loan-to-Deposit Ratio ?	64.56% +5.4% YoY +2.8% QoQ	-12.08%	76.64% +0.8% YoY	86.53% +1.6% YoY	76.70% +0.9% YoY	75%
Non-Interest-Bearing Deposit Share ?	4.64% +14.7% YoY +2.9% QoQ	-17.38%	22.02% -1.0% YoY	18.27% -0.8% YoY	22.01% -1.2% YoY	Bottom 3.2% in tier
Nonperforming Asset Ratio ?	0.06% -78.2% YoY -70.6% QoQ	-0.58%	0.64% +19.7% YoY	0.63% +35.0% YoY	0.67% +19.3% YoY	76%
Tier 1 Capital Ratio ?	17.27% +3.4% YoY +4.8% QoQ	+1.44%	15.83% +1.5% YoY	14.74% +0.5% YoY	17.06% +0.8% YoY	78%
Non-Interest Income / Assets ?	0.05% +21.1% YoY -74.9% QoQ	-0.23%	0.28% +9.3% YoY	1.15% +12.5% YoY	0.32% +4.1% YoY	18%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (4 metrics)

123

Efficiency Ratio

profitability

Value: 40.51%

Peer Median: 65.29%

#123 of 2664 Top 4.6% in $100M-$1B

589

Tier 1 Capital Ratio

capital

Value: 17.27%

Peer Median: 15.83%

#589 of 2664 Top 22.1% in $100M-$1B

631

Nonperforming Asset Ratio

credit_quality

Value: 0.06%

Peer Median: 0.64%

#631 of 2664 Top 23.6% in $100M-$1B

654

Loan-to-Deposit Ratio

liquidity

Value: 64.56%

Peer Median: 76.64%

#654 of 2664 Top 24.5% in $100M-$1B

Top Weaknesses (3 metrics)

2580

Non-Interest-Bearing Deposit Share

funding

Value: 4.64%

Peer Median: 22.02%

#2580 of 2664 Bottom 3.2% in $100M-$1B

2268

Net Interest Margin

profitability

Value: 3.12%

Peer Median: 3.93%

#2268 of 2664 Bottom 14.9% in $100M-$1B

2191

Non-Interest Income / Assets

revenue_mix

Value: 0.05%

Peer Median: 0.28%

#2191 of 2664 Bottom 17.8% in $100M-$1B