BlastPoint's Banking Scorecard

Compass Savings Bank

under $100M Specialty: Mortgage PA FDIC cert 29430

Designations: ✓ Community bank ✓ Mutual

Wilmerding, PA

541 banks in the under $100M peer group nationally 10 in PA

Compass Savings Bank has 1 strength but faces 4 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

+ Delinquency Rate 1.29% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 2.19% below tier average
- Efficiency Ratio 30.59% above tier average
- Loan-to-Deposit Ratio 37.21% above tier average
- ROA 1.17% below tier average

Get updates when Compass Savings Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Total Assets ?	$54.0M -7.2% YoY -2.7% QoQ	-$8.1M	$62.2M -0.6% YoY	$3.1B +7.0% YoY	$6.2B +9.1% YoY	37%
Total Loans ?	$49.1M -5.9% YoY -3.2% QoQ	+$14.8M	$34.2M -1.4% YoY	$2.2B +7.7% YoY	$3.2B +10.8% YoY	75%
Total Deposits ?	$48.4M -6.5% YoY -1.3% QoQ	-$3.3M	$51.7M -0.7% YoY	$2.6B +7.1% YoY	$4.8B +8.2% YoY	42%
Return on Assets ?	-0.34% +63.1% YoY -174.5% QoQ	-1.17%	0.84% -2.3% YoY	1.46% +26.2% YoY	1.23% +13.4% YoY	Bottom 11.5% in tier
Net Interest Margin ?	1.67% +35.5% YoY +19.9% QoQ	-2.19%	3.86% +2.8% YoY	3.32% +8.7% YoY	3.89% +5.7% YoY	Bottom 2.0% in tier
Efficiency Ratio ?	118.93% -29.4% YoY +43.6% QoQ	+30.59%	88.34% +0.3% YoY	69.09% -7.7% YoY	66.95% -4.1% YoY	Bottom 8.7% in tier
Delinquency Rate ?	0.09% -57.9% YoY -49.5% QoQ	-1.29%	1.37% +33.8% YoY	0.92% +20.5% YoY	0.95% +18.8% YoY	64%
Loan-to-Deposit Ratio ?	101.42% +0.7% YoY -1.9% QoQ	+37.21%	64.22% -0.7% YoY	83.35% -0.2% YoY	76.70% +0.9% YoY	Bottom 5.9% in tier
Non-Interest-Bearing Deposit Share ?	9.43% -4.4% YoY -2.6% QoQ	-14.29%	23.71% +0.3% YoY	17.71% -0.1% YoY	22.01% -1.2% YoY	Bottom 14.4% in tier
Nonperforming Asset Ratio ?	0.08% -83.0% YoY -49.8% QoQ	-0.71%	0.79% +28.2% YoY	0.67% +14.7% YoY	0.67% +19.3% YoY	62%
Tier 1 Capital Ratio ?	14.81% +24.9% YoY +4.8% QoQ	-11.88%	26.68% +2.0% YoY	20.10% +0.3% YoY	17.06% +0.8% YoY	46%
Non-Interest Income / Assets ?	0.04% -6.3% YoY -97.2% QoQ	-0.63%	0.67% +1.9% YoY	0.69% +18.0% YoY	0.32% +4.1% YoY	29%

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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 541 peers in under $100M

Top Strengths (1 metrics)

135

Total Loans

size

Value: $49.08M

Peer Median: $34.25M

#135 of 541 Top 24.8% in under $100M

Top Weaknesses (5 metrics)

531

Net Interest Margin

profitability

Value: 1.67%

Peer Median: 3.86%

#531 of 541 Bottom 2.0% in under $100M

510

Loan-to-Deposit Ratio

liquidity

Value: 101.42%

Peer Median: 64.22%

#510 of 541 Bottom 5.9% in under $100M

495

Efficiency Ratio

profitability

Value: 118.93%

Peer Median: 88.34%

#495 of 541 Bottom 8.7% in under $100M

480

Return on Assets

profitability

Value: -0.34%

Peer Median: 0.84%

#480 of 541 Bottom 11.5% in under $100M

464

Non-Interest-Bearing Deposit Share

funding

Value: 9.43%

Peer Median: 23.71%

#464 of 541 Bottom 14.4% in under $100M