BlastPoint's Banking Scorecard

Second Federal Savings and Loan Association of Philadelphia

under $100M Specialty: Commercial PA FDIC cert 29627

Designations: ✓ Community bank ✓ Mutual

Philadelphia, PA

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

Second Federal Savings and Loan Association of Philadelphia has 3 strengths 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 1.36% below tier average
+ Nonperforming Asset Ratio 0.77% below tier average
+ Efficiency Ratio 23.34% below tier average

Key Concerns

Areas that may need attention

- Loan-to-Deposit Ratio 87.04% above tier average
- Non-Interest-Bearing Deposit Share 23.14% below tier average
- ROA 0.21% below tier average
- Net Interest Margin 0.12% below tier average

Get updates when Second Federal Savings and Loan Association of Philadelphia releases new data →

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	-$18.7M	$62.3M -0.5% YoY	$3.1B +7.0% YoY	$6.2B +9.0% YoY	25%
Total Loans ?	$36.5M +13.9% YoY +4.4% QoQ	+$2.2M	$34.3M -1.5% YoY	$2.2B +7.7% YoY	$3.2B +10.7% YoY	58%
Total Deposits ?	$24.2M +5.6% YoY -2.2% QoQ	-$27.7M	$51.8M -0.6% YoY	$2.6B +7.1% YoY	$4.8B +8.0% YoY	Bottom 14.0% in tier
Return on Assets ?	0.65% -11.7% YoY -29.6% QoQ	-0.21%	0.86% -3.6% YoY	1.46% +26.2% YoY	1.24% +13.1% YoY	36%
Net Interest Margin ?	3.74% +7.4% YoY +1.6% QoQ	-0.12%	3.87% +2.7% YoY	3.32% +8.7% YoY	3.89% +5.7% YoY	47%
Efficiency Ratio ?	64.29% -4.4% YoY +5.3% QoQ	-23.34%	87.63% +2.3% YoY	69.09% -7.7% YoY	66.84% -3.8% YoY	66%
Delinquency Rate ?	0.00%	-1.36%	1.36% +33.7% 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	+87.04%	64.11% -0.9% YoY	83.35% -0.2% YoY	76.69% +0.9% YoY	Bottom 0.7% in tier
Non-Interest-Bearing Deposit Share ?	0.64% +17.5% YoY -63.7% QoQ	-23.14%	23.79% +0.5% YoY	17.71% -0.1% YoY	22.01% -1.1% YoY	Bottom 6.0% in tier
Nonperforming Asset Ratio ?	0.00%	-0.77%	0.77% +28.7% YoY	0.67% +14.7% YoY	0.66% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	23.34% -5.9% YoY -3.6% QoQ	-3.44%	26.77% +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	-0.65%	0.67% +1.6% YoY	0.69% +18.0% YoY	0.32% +4.0% 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 537 peers in under $100M

Top Strengths (3 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 1.36%

#1 of 517 Top 0.1% in under $100M

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.77%

#1 of 537 Top 0.1% in under $100M

126

Tier 1 Capital Ratio

capital

Value: 23.34%

Peer Median: 26.77%

#126 of 537 Top 23.3% in under $100M

Top Weaknesses (5 metrics)

534

Loan-to-Deposit Ratio

liquidity

Value: 151.14%

Peer Median: 64.11%

#534 of 537 Bottom 0.7% in under $100M

506

Non-Interest-Bearing Deposit Share

funding

Value: 0.64%

Peer Median: 23.79%

#506 of 537 Bottom 6.0% in under $100M

463

Total Deposits

size

Value: $24.16M

Peer Median: $51.83M

#463 of 537 Bottom 14.0% in under $100M

444

Non-Interest Income / Assets

revenue_mix

Value: 0.02%

Peer Median: 0.67%

#444 of 537 Bottom 17.5% in under $100M

404

Total Assets

size

Value: $43.58M

Peer Median: $62.28M

#404 of 537 Bottom 25.0% in under $100M