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

884 banks in the $1B-$10B peer group nationally 38 in NY

Maspeth Federal Savings and Loan Association has 1 strength but faces 7 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 2.96% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 0.1% in tier
- Liquidity Strain: Bottom 41.9% in tier
- Non-Interest-Bearing Deposit Share 16.74% below tier average
- Non-Interest Income / Assets 0.25% below tier average
- ROA 0.28% below tier average
- Net Interest Margin 0.10% below tier average
- Delinquency Rate 0.47% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Total Assets ?	$2.2B +1.6% YoY +1.3% QoQ	-$587.8M	$2.8B -0.1% YoY	$19.3B +17.3% YoY	$6.2B +9.1% YoY	56%
Total Loans ?	$1.9B -0.6% YoY +0.0% QoQ	-$27.6M	$2.0B +0.6% YoY	$8.1B +14.6% YoY	$3.2B +10.8% YoY	66%
Total Deposits ?	$1.4B +1.2% YoY +1.0% QoQ	-$925.4M	$2.3B -0.3% YoY	$15.1B +16.0% YoY	$4.8B +8.2% YoY	42%
Return on Assets ?	1.08% +36.4% YoY +29.1% QoQ	-0.28%	1.37% +19.6% YoY	0.86% +14.3% YoY	1.23% +13.4% YoY	39%
Net Interest Margin ?	3.72% +11.9% YoY +4.4% QoQ	-0.10%	3.82% +6.9% YoY	3.45% +7.0% YoY	3.89% +5.7% YoY	54%
Efficiency Ratio ?	58.10% -11.3% YoY -8.7% QoQ	-2.96%	61.06% -4.6% YoY	69.17% -3.6% YoY	66.95% -4.1% YoY	55%
Delinquency Rate ?	1.36% -9.8% YoY -1.8% QoQ	+0.47%	0.89% +14.1% YoY	1.13% +6.9% YoY	0.95% +18.8% YoY	18%
Loan-to-Deposit Ratio ?	136.63% -1.7% YoY -1.0% QoQ	+52.43%	84.20% +0.3% YoY	77.98% +0.4% YoY	76.70% +0.9% YoY	Bottom 0.8% in tier
Non-Interest-Bearing Deposit Share ?	4.54% +9.2% YoY +8.0% QoQ	-16.74%	21.29% -2.5% YoY	21.94% +1.2% YoY	22.01% -1.2% YoY	Bottom 4.1% in tier
Nonperforming Asset Ratio ?	1.38% -10.7% YoY -2.8% QoQ	+0.71%	0.67% +15.6% YoY	0.73% +4.5% YoY	0.67% +19.3% YoY	Bottom 12.0% in tier
Tier 1 Capital Ratio ?	34.83% +2.2% YoY -0.7% QoQ	+19.67%	15.16% +2.0% YoY	24.83% +10.8% YoY	17.06% +0.8% YoY	Top 1.7% in tier
Non-Interest Income / Assets ?	0.01% +94.5% YoY -65.0% QoQ	-0.25%	0.26% +1.6% YoY	0.21% +9.1% YoY	0.32% +4.1% YoY	Bottom 1.6% in tier

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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 (2)

Liquidity Overhang

risk

#1 of 174 • 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: 34.83%

(Tier: 15.16%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 136.63%

(Tier: 84.20%, National: 76.70%)

worse than tier avg

174 of 174 Mid-Market banks match · 939 nationally

→ Stable +13 banks QoQ

Liquidity Strain

risk

#141 of 334 • Bottom 41.9% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 136.63%

(Tier: 84.20%, National: 76.70%)

worse than tier avg

334 of 334 Mid-Market banks match · 1013 nationally

→ Stable -50 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 884 peers in $1B-$10B

Top Strengths (1 metrics)

Tier 1 Capital Ratio

capital

Value: 34.83%

Peer Median: 15.16%

#16 of 884 Top 1.7% in $1B-$10B

Top Weaknesses (5 metrics)

878

Loan-to-Deposit Ratio

liquidity

Value: 136.63%

Peer Median: 84.20%

#878 of 884 Bottom 0.8% in $1B-$10B

871

Non-Interest Income / Assets

revenue_mix

Value: 0.01%

Peer Median: 0.26%

#871 of 884 Bottom 1.6% in $1B-$10B

849

Non-Interest-Bearing Deposit Share

funding

Value: 4.54%

Peer Median: 21.29%

#849 of 884 Bottom 4.1% in $1B-$10B

779

Nonperforming Asset Ratio

credit_quality

Value: 1.38%

Peer Median: 0.67%

#779 of 884 Bottom 12.0% in $1B-$10B

719

Delinquency Rate

credit_quality

Value: 1.36%

Peer Median: 0.89%

#719 of 880 Bottom 18.4% in $1B-$10B