BlastPoint's Banking Scorecard
Monroe Federal Savings and Loan Association
Tipp City, OH
4 branches across OH
Monroe Federal Savings and Loan Association has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.66% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 4.8% in tier
- - Efficiency Drag: Bottom 12.6% in tier
- - Return on Assets 1.80% below tier average
- - Net Interest Margin 1.05% below tier average
- - Non-Interest-Bearing Deposit Share 14.69% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$142.8M
-1.1% YoY
-3.6% QoQ
|
-$243.3M |
$386.1M
+0.5% YoY
|
$35.8B
+10.6% YoY
|
$6.2B
+9.1% YoY
|
Bottom 12.0% in tier |
| Total Loans ? |
$110.5M
+3.3% YoY
-0.7% QoQ
|
-$145.2M |
$255.7M
+1.1% YoY
|
$15.7B
+12.8% YoY
|
$3.2B
+10.8% YoY
|
23% |
| Total Deposits ? |
$126.5M
+3.2% YoY
-3.4% QoQ
|
-$201.5M |
$328.0M
+0.1% YoY
|
$25.9B
+8.5% YoY
|
$4.8B
+8.2% YoY
|
Bottom 14.0% in tier |
| Return on Assets ? |
-0.53%
-699.7% YoY
|
-1.80% |
1.27%
+12.9% YoY
|
1.12%
+9.9% YoY
|
1.23%
+13.4% YoY
|
Bottom 1.6% in tier |
| Net Interest Margin ? |
2.88%
+3.1% YoY
+2.4% QoQ
|
-1.05% |
3.93%
+6.0% YoY
|
3.58%
+7.5% YoY
|
3.89%
+5.7% YoY
|
Bottom 8.0% in tier |
| Efficiency Ratio ? |
105.99%
-0.7% YoY
+1.3% QoQ
|
+40.70% |
65.29%
-4.5% YoY
|
72.65%
-4.0% YoY
|
66.95%
-4.1% YoY
|
Bottom 1.8% in tier |
| Delinquency Rate ? |
0.23%
-61.5% YoY
-53.2% QoQ
|
-0.66% |
0.89%
+18.8% YoY
|
0.65%
+14.5% YoY
|
0.95%
+18.8% YoY
|
62% |
| Loan-to-Deposit Ratio ? |
87.39%
+0.1% YoY
+2.8% QoQ
|
+10.75% |
76.64%
+0.8% YoY
|
79.14%
+0.8% YoY
|
76.70%
+0.9% YoY
|
30% |
| Non-Interest-Bearing Deposit Share ? |
7.33%
-5.0% YoY
+6.8% QoQ
|
-14.69% |
22.02%
-1.0% YoY
|
18.08%
-0.4% YoY
|
22.01%
-1.2% YoY
|
Bottom 6.2% in tier |
| Nonperforming Asset Ratio ? |
0.18%
-59.8% YoY
-51.8% QoQ
|
-0.46% |
0.64%
+19.7% YoY
|
0.44%
+14.5% YoY
|
0.67%
+19.3% YoY
|
62% |
| Tier 1 Capital Ratio ? |
9.60%
-4.0% YoY
-1.3% QoQ
|
-6.23% |
15.83%
+1.5% YoY
|
19.44%
+3.1% YoY
|
17.06%
+0.8% YoY
|
Bottom 5.7% in tier |
| Non-Interest Income / Assets ? |
0.06%
+8.7% YoY
-76.8% QoQ
|
-0.22% |
0.28%
+9.3% YoY
|
0.57%
-2.4% YoY
|
0.32%
+4.1% YoY
|
26% |
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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 (2)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
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.