BlastPoint's Banking Scorecard
Second Federal Savings and Loan Association of Philadelphia
Designations: ✓ Community bank ✓ Mutual
Philadelphia, PA
Second Federal Savings and Loan Association of Philadelphia has 3 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 1.37% below tier average
- + Nonperforming Asset Ratio 0.79% below tier average
- + Efficiency Ratio 24.06% below tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 86.93% above tier average
- - Non-Interest-Bearing Deposit Share 23.07% below tier average
- - ROA 0.19% below tier average
- - Net Interest Margin 0.12% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$43.6M
+10.8% YoY
-0.8% QoQ
|
-$18.6M |
$62.2M
-0.6% YoY
|
$3.1B
+7.0% YoY
|
$6.2B
+9.1% YoY
|
25% |
| Total Loans ? |
$36.5M
+13.9% YoY
+4.4% QoQ
|
+$2.3M |
$34.2M
-1.4% YoY
|
$2.2B
+7.7% YoY
|
$3.2B
+10.8% YoY
|
58% |
| Total Deposits ? |
$24.2M
+5.6% YoY
-2.2% QoQ
|
-$27.6M |
$51.7M
-0.7% YoY
|
$2.6B
+7.1% YoY
|
$4.8B
+8.2% YoY
|
Bottom 14.2% in tier |
| Return on Assets ? |
0.65%
-11.7% YoY
-29.6% QoQ
|
-0.19% |
0.84%
-2.3% YoY
|
1.46%
+26.2% YoY
|
1.23%
+13.4% YoY
|
36% |
| Net Interest Margin ? |
3.74%
+7.4% YoY
+1.6% QoQ
|
-0.12% |
3.86%
+2.8% YoY
|
3.32%
+8.7% YoY
|
3.89%
+5.7% YoY
|
47% |
| Efficiency Ratio ? |
64.29%
-4.4% YoY
+5.3% QoQ
|
-24.06% |
88.34%
+0.3% YoY
|
69.09%
-7.7% YoY
|
66.95%
-4.1% YoY
|
66% |
| Delinquency Rate ? | 0.00% | -1.37% |
1.37%
+33.8% YoY
|
0.92%
+20.5% YoY
|
0.95%
+18.8% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
151.14%
+7.9% YoY
+6.7% QoQ
|
+86.93% |
64.22%
-0.7% YoY
|
83.35%
-0.2% YoY
|
76.70%
+0.9% YoY
|
Bottom 0.7% in tier |
| Non-Interest-Bearing Deposit Share ? |
0.64%
+17.5% YoY
-63.7% QoQ
|
-23.07% |
23.71%
+0.3% YoY
|
17.71%
-0.1% YoY
|
22.01%
-1.2% YoY
|
Bottom 6.3% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.79% |
0.79%
+28.2% YoY
|
0.67%
+14.7% YoY
|
0.67%
+19.3% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
23.34%
-5.9% YoY
-3.6% QoQ
|
-3.35% |
26.68%
+2.0% YoY
|
20.10%
+0.3% YoY
|
17.06%
+0.8% YoY
|
77% |
| Non-Interest Income / Assets ? |
0.02%
+125.7% YoY
-44.0% QoQ
|
-0.64% |
0.67%
+1.9% YoY
|
0.69%
+18.0% YoY
|
0.32%
+4.1% YoY
|
17% |
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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.