BlastPoint's Banking Scorecard

Maspeth Federal Savings and Loan Association

$1B-$10B Specialty: Commercial NY FDIC cert 30303

Designations: ✓ Community bank ✓ Mutual

Maspeth, NY

8 branches across NY

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 885 banks in the $1B-$10B peer group nationwide — 1 of 40 in NY.
Deposits +3.2% year over year ($1.4B on the books).
Delinquency rate 1.23%.
Return on assets 1.10%.
Efficiency ratio 59.29% vs a 59.73% peer average.
Loan-to-deposit ratio 138.78% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 40 in NY

View $1B-$10B leaderboard (NY) →

Maspeth Federal Savings and Loan Association has 1 strength but faces 6 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

+ Efficiency Ratio 0.43% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 0.1% in tier
- Non-Interest-Bearing Deposit Share 16.79% below tier average
- Non-Interest Income / Assets 0.53% below tier average
- ROA 0.30% below tier average
- Net Interest Margin 0.10% below tier average
- Delinquency Rate 0.37% above tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Total Assets ?	$2.2B +3.1% YoY -0.7% QoQ	-$581.8M	$2.8B -0.6% YoY	$19.3B +10.2% YoY	$6.3B +7.7% YoY	55%
Total Loans ?	$1.9B +0.5% YoY +0.4% QoQ	-$17.5M	$2.0B -0.3% YoY	$8.2B +12.4% YoY	$3.2B +9.4% YoY	66%
Total Deposits ?	$1.4B +3.2% YoY -1.1% QoQ	-$916.8M	$2.3B -0.5% YoY	$14.8B +8.7% YoY	$4.9B +7.3% YoY	42%
Return on Assets ?	1.10% +33.5% YoY +1.1% QoQ	-0.30%	1.39% +17.0% YoY	0.94% +14.0% YoY	1.30% +12.1% YoY	37%
Net Interest Margin ?	3.77% +9.2% YoY +1.5% QoQ	-0.10%	3.87% +6.2% YoY	3.52% +6.2% YoY	3.95% +4.9% YoY	54%
Efficiency Ratio ?	59.29% -5.9% YoY +2.0% QoQ	-0.43%	59.73% -12.6% YoY	67.96% -1.8% YoY	70.05% +2.5% YoY	49%
Delinquency Rate ?	1.23% -9.4% YoY -9.0% QoQ	+0.37%	0.87% +11.7% YoY	1.19% +15.7% YoY	0.98% +16.3% YoY	22%
Loan-to-Deposit Ratio ?	138.78% -2.6% YoY +1.6% QoQ	+53.74%	85.04% -0.1% YoY	79.34% +1.1% YoY	79.03% +2.3% YoY	Bottom 0.8% in tier
Non-Interest-Bearing Deposit Share ?	4.48% +11.9% YoY -1.3% QoQ	-16.79%	21.27% -1.5% YoY	22.09% +0.6% YoY	21.98% -0.6% YoY	Bottom 3.5% in tier
Nonperforming Asset Ratio ?	1.25% -13.2% YoY -9.3% QoQ	+0.58%	0.67% +11.7% YoY	0.79% +14.5% YoY	0.69% +15.8% YoY	Bottom 14.8% in tier
Tier 1 Capital Ratio ?	34.89% +0.0% YoY +0.2% QoQ	+20.04%	14.84% -0.4% YoY	23.90% +5.3% YoY	17.09% +0.8% YoY	Top 1.4% in tier
Non-Interest Income / Assets ?	0.00% -93.0% YoY -91.8% QoQ	-0.53%	0.53% +2.5% YoY	0.52% +23.2% YoY	0.66% +5.2% YoY	Bottom 0.8% in tier

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 (NY)	National Avg	Tier Percentile
Noninterest-Bearing	4.5% +0.5pp YoY -0.1pp QoQ	-16.9pp	21.4%	22.1%	22.2%	3%
Brokered Deposits	n/a	n/a	9.5%	8.0%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
C&I	n/a	n/a	14.0%	11.0%	12.5%	n/a
CRE	56.5% +1.8pp YoY +0.4pp QoQ	+6.5pp	50.0%	46.2%	41.4%	68%
1-4 Family	44.4% -1.8pp YoY -0.4pp QoQ	+18.0pp	26.4%	36.6%	31.3%	86%
Consumer	0.0% 0.0pp YoY 0.0pp QoQ	-4.7pp	4.7%	5.1%	5.0%	1%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	15.6%	26.1%	19.7%	n/a
Leverage Ratio	34.9% 0.0pp YoY +0.1pp QoQ	+23.6pp	11.3%	13.9%	12.6%	100%
Total Capital Ratio	n/a	n/a	16.7%	27.2%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Full-Time Employees	203 +5 (+2.5%) YoY -2 (-1.0%) QoQ	-111	313	914	482	42%
Assets per Employee ($)	$10.9M +0.5% YoY +0.2% QoQ	+$412K	$10.5M	$14.8M	$8.8M	72%
Branch Count	8 +1 (+14.3%) YoY 0 QoQ	-12	20	27	18	20%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.1%	0.4%	n/a
Nonaccrual	1.2% -0.1pp YoY -0.1pp QoQ	+0.4pp	0.8%	1.3%	1.0%	80%
Allowance Coverage	0.76x +11.8% YoY +8.1% QoQ	-17.95x	18.71x	1.92x	20.23x	14%
Net Charge-off Rate (YTD)	n/a	n/a	0.3%	0.1%	0.2%	n/a

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
ROE	3.2% +0.8pp YoY 0.0pp QoQ	-9.4pp	12.6%	7.9%	11.6%	4%
Cost of Funds (YTD)	1.2% -0.1pp YoY 0.0pp QoQ	-0.7pp	1.9%	1.8%	1.7%	10%
Net Income ($, YTD)	$12.1M +35.4% YoY — QoQ	-$7.1M	$19.2M	$111.2M	$40.4M	48%

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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 (1)

Liquidity Overhang

risk

#1 of 172 • Bottom 0.1% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 34.89%

(Tier: 14.84%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 138.78%

(Tier: 85.04%, National: 79.03%)

worse than tier avg

172 of 172 Mid-Market banks match · 940 nationally

→ Stable +7 banks QoQ

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 885 peers in $1B-$10B

Top Strengths (1 metrics)

Tier 1 Capital Ratio

capital

Value: 34.89%

Peer Median: 14.84%

#13 of 885 Top 1.4% in $1B-$10B

Top Weaknesses (5 metrics)

879

Non-Interest Income / Assets

revenue_mix

Value: 0.00%

Peer Median: 0.53%

#879 of 885 Bottom 0.8% in $1B-$10B

879

Loan-to-Deposit Ratio

liquidity

Value: 138.78%

Peer Median: 85.04%

#879 of 885 Bottom 0.8% in $1B-$10B

855

Non-Interest-Bearing Deposit Share

funding

Value: 4.48%

Peer Median: 21.27%

#855 of 885 Bottom 3.5% in $1B-$10B

755

Nonperforming Asset Ratio

credit_quality

Value: 1.25%

Peer Median: 0.67%

#755 of 885 Bottom 14.8% in $1B-$10B

686

Delinquency Rate

credit_quality

Value: 1.23%

Peer Median: 0.87%

#686 of 882 Bottom 22.3% in $1B-$10B