BlastPoint's Banking Scorecard
Milford Building and Loan Association
Designations: ✓ Community bank ✓ Mutual
Milford, IL
Milford Building and Loan Association has 1 strength but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 4.91% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.33% below tier average
- - Delinquency Rate 2.58% above tier average
- - Non-Interest-Bearing Deposit Share 23.71% below tier average
- - Nonperforming Asset Ratio 2.13% above tier average
- - Non-Interest Income / Assets 0.67% below tier average
- - ROA 0.60% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$27.4M
+2.5% YoY
-0.1% QoQ
|
-$34.8M |
$62.2M
-0.6% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
Bottom 10.2% in tier |
| Total Loans ? |
$18.0M
-0.6% YoY
-1.7% QoQ
|
-$16.2M |
$34.2M
-1.4% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
24% |
| Total Deposits ? |
$23.8M
+2.6% YoY
-0.2% QoQ
|
-$27.9M |
$51.7M
-0.7% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
Bottom 13.7% in tier |
| Return on Assets ? |
0.23%
+74.0% YoY
-26.4% QoQ
|
-0.60% |
0.84%
-2.3% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
20% |
| Net Interest Margin ? |
2.53%
+9.8% YoY
+2.5% QoQ
|
-1.33% |
3.86%
+2.8% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
Bottom 7.2% in tier |
| Efficiency Ratio ? |
83.43%
-5.4% YoY
+6.3% QoQ
|
-4.91% |
88.34%
+0.3% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
30% |
| Delinquency Rate ? |
3.95%
+37.0% YoY
-25.9% QoQ
|
+2.58% |
1.37%
+33.8% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
Bottom 8.6% in tier |
| Loan-to-Deposit Ratio ? |
75.60%
-3.1% YoY
-1.4% QoQ
|
+11.38% |
64.22%
-0.7% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
35% |
| Non-Interest-Bearing Deposit Share ? | 0.00% | -23.71% |
23.71%
+0.3% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
Bottom 5.0% in tier |
| Nonperforming Asset Ratio ? |
2.92%
+49.3% YoY
-18.1% QoQ
|
+2.13% |
0.79%
+28.2% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
Bottom 5.4% in tier |
| Tier 1 Capital Ratio ? |
24.99%
+109.0% YoY
+1.6% QoQ
|
-1.69% |
26.68%
+2.0% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
79% |
| Non-Interest Income / Assets ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.67% |
0.67%
+1.9% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
Bottom 2.6% in tier |
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Signature Analysis
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Metric Rankings
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