BlastPoint's Banking Scorecard
Compass Savings Bank
Designations: ✓ Community bank ✓ Mutual
Wilmerding, PA
Compass Savings Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 1.28% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 2.20% below tier average
- - Efficiency Ratio 31.30% above tier average
- - Loan-to-Deposit Ratio 37.31% above tier average
- - ROA 1.19% below tier average
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
|
-$8.3M |
$62.3M
-0.5% YoY
|
$3.1B
+7.0% YoY
|
$6.2B
+9.0% YoY
|
37% |
| Total Loans ? |
$49.1M
-5.9% YoY
-3.2% QoQ
|
+$14.8M |
$34.3M
-1.5% YoY
|
$2.2B
+7.7% YoY
|
$3.2B
+10.7% YoY
|
75% |
| Total Deposits ? |
$48.4M
-6.5% YoY
-1.3% QoQ
|
-$3.4M |
$51.8M
-0.6% YoY
|
$2.6B
+7.1% YoY
|
$4.8B
+8.0% YoY
|
42% |
| Return on Assets ? |
-0.34%
+63.1% YoY
-174.5% QoQ
|
-1.19% |
0.86%
-3.6% YoY
|
1.46%
+26.2% YoY
|
1.24%
+13.1% YoY
|
Bottom 11.2% in tier |
| Net Interest Margin ? |
1.67%
+35.5% YoY
+19.9% QoQ
|
-2.20% |
3.87%
+2.7% 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
|
+31.30% |
87.63%
+2.3% YoY
|
69.09%
-7.7% YoY
|
66.84%
-3.8% YoY
|
Bottom 8.2% in tier |
| Delinquency Rate ? |
0.09%
-57.9% YoY
-49.5% QoQ
|
-1.28% |
1.36%
+33.7% YoY
|
0.92%
+20.5% YoY
|
0.95%
+18.8% YoY
|
65% |
| Loan-to-Deposit Ratio ? |
101.42%
+0.7% YoY
-1.9% QoQ
|
+37.31% |
64.11%
-0.9% YoY
|
83.35%
-0.2% YoY
|
76.69%
+0.9% YoY
|
Bottom 6.0% in tier |
| Non-Interest-Bearing Deposit Share ? |
9.43%
-4.4% YoY
-2.6% QoQ
|
-14.36% |
23.79%
+0.5% YoY
|
17.71%
-0.1% YoY
|
22.01%
-1.1% YoY
|
Bottom 14.2% in tier |
| Nonperforming Asset Ratio ? |
0.08%
-83.0% YoY
-49.8% QoQ
|
-0.70% |
0.77%
+28.7% YoY
|
0.67%
+14.7% YoY
|
0.66%
+19.3% YoY
|
62% |
| Tier 1 Capital Ratio ? |
14.81%
+24.9% YoY
+4.8% QoQ
|
-11.97% |
26.77%
+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%
+1.6% YoY
|
0.69%
+18.0% YoY
|
0.32%
+4.0% YoY
|
29% |
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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.