BlastPoint's Banking Scorecard
Second Federal Savings and Loan Association of Philadelphia
Designations: ✓ Community bank ✓ Mutual
Philadelphia, PA
2 branches across PA
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 536 banks in the under $100M peer group nationwide — 1 of 9 in PA.
- Deposits +4.6% year over year ($24.5M on the books).
- Delinquency rate 0.00%.
- Return on assets 1.17%.
- Efficiency ratio 57.53% vs a 119.40% peer average.
- Loan-to-deposit ratio 151.14% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Second Federal Savings and Loan Association of Philadelphia has 5 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 1.48% below tier average
- + Nonperforming Asset Ratio 0.84% below tier average
- + ROA 0.17% above tier average
- + Net Interest Margin 0.08% above tier average
- + Efficiency Ratio 61.86% below tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 76.94% above tier average
- - Non-Interest-Bearing Deposit Share 22.25% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$46.3M
+12.3% YoY
+6.1% QoQ
|
-$16.2M |
$62.4M
-0.0% YoY
|
$3.1B
+7.3% YoY
|
$6.3B
+7.7% YoY
|
28% |
| Total Loans ? |
$37.1M
+9.2% YoY
+1.6% QoQ
|
+$2.2M |
$34.9M
-0.6% YoY
|
$2.3B
+8.0% YoY
|
$3.2B
+9.4% YoY
|
57% |
| Total Deposits ? |
$24.5M
+4.6% YoY
+1.6% QoQ
|
-$27.1M |
$51.6M
-0.2% YoY
|
$2.6B
+7.1% YoY
|
$4.9B
+7.3% YoY
|
Bottom 14.4% in tier |
| Return on Assets ? |
1.17%
+5.6% YoY
+79.7% QoQ
|
+0.17% |
1.00%
+3.5% YoY
|
1.63%
+26.6% YoY
|
1.30%
+12.1% YoY
|
60% |
| Net Interest Margin ? |
4.00%
+12.4% YoY
+6.7% QoQ
|
+0.08% |
3.91%
+2.3% YoY
|
3.40%
+8.7% YoY
|
3.95%
+4.9% YoY
|
56% |
| Efficiency Ratio ? |
57.53%
-5.3% YoY
-10.5% QoQ
|
-61.86% |
119.40%
+49.6% YoY
|
66.68%
-6.6% YoY
|
70.05%
+2.5% YoY
|
78% |
| Delinquency Rate ? | 0.00% | -1.48% |
1.48%
+31.8% YoY
|
0.92%
+32.0% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
151.14%
+4.4% YoY
+0.0% QoQ
|
+76.94% |
74.21%
+12.6% YoY
|
84.75%
+0.9% YoY
|
79.03%
+2.3% YoY
|
Bottom 0.9% in tier |
| Non-Interest-Bearing Deposit Share ? |
1.24%
+10.5% YoY
+93.7% QoQ
|
-22.25% |
23.49%
+0.6% YoY
|
18.04%
+1.4% YoY
|
21.98%
-0.6% YoY
|
Bottom 6.7% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.84% |
0.84%
+23.0% YoY
|
0.67%
+21.3% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
23.19%
-4.3% YoY
-0.6% QoQ
|
-3.94% |
27.13%
+3.0% YoY
|
19.93%
+0.1% YoY
|
17.09%
+0.8% YoY
|
76% |
| Non-Interest Income / Assets ? |
0.05%
+87.0% YoY
+97.9% QoQ
|
-1.34% |
1.38%
+6.3% YoY
|
1.47%
+21.0% YoY
|
0.66%
+5.2% YoY
|
15% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
1.2%
+0.1pp YoY +0.6pp QoQ |
-23.4pp | 24.6% | 18.7% | 22.2% | 2% |
| Brokered Deposits | n/a | n/a | 9.8% | 6.8% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
0.3%
-0.8pp YoY -0.2pp QoQ |
-13.1pp | 13.4% | 8.6% | 12.5% | 1% |
| CRE |
36.8%
+1.4pp YoY +1.2pp QoQ |
+11.6pp | 25.2% | 37.9% | 41.4% | 78% |
| 1-4 Family |
64.1%
+0.1pp YoY -0.9pp QoQ |
+29.1pp | 35.0% | 47.8% | 31.3% | 83% |
| Consumer |
0.9%
-0.6pp YoY -0.2pp QoQ |
-6.7pp | 7.7% | 3.8% | 5.0% | 11% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
23.2%
-1.0pp YoY -0.1pp QoQ |
-15.5pp | 38.7% | 22.3% | 19.7% | 57% |
| Leverage Ratio |
16.4%
-0.9pp YoY +0.1pp QoQ |
-1.3pp | 17.7% | 13.2% | 12.6% | 77% |
| Total Capital Ratio |
24.4%
-1.0pp YoY -0.2pp QoQ |
-15.2pp | 39.7% | 23.3% | 20.8% | 57% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
4
+1 (+33.3%) YoY 0 QoQ |
-8 | 12 | 299 | 482 | 2% |
| Assets per Employee ($) |
$11.6M
-15.8% YoY +6.1% QoQ |
+$5.4M | $6.2M | $9.2M | $8.8M | 97% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 20 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.2% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 1.7% | 0.9% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 6.41x | 3.63x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
7.2%
+0.7pp YoY +3.2pp QoQ |
+0.8pp | 6.4% | 10.2% | 11.6% | 45% |
| Cost of Funds (YTD) |
3.0%
-0.1pp YoY -0.1pp QoQ |
+1.6pp | 1.4% | 1.8% | 1.7% | 99% |
| Net Income ($, YTD) |
$260,000
+17.1% YoY — QoQ |
-$58K | $317,817 | $18.2M | $40.4M | 46% |
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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.
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Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.