BlastPoint

BlastPoint's Banking Scorecard

Geddes Federal Savings and Loan Association

$100M-$1B Specialty: Mortgage NY FDIC cert 30397

Designations: ✓ Mutual

Syracuse, 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 48 in NY.
  • Deposits +7.3% year over year ($512.0M on the books).
  • Delinquency rate 0.44%.
  • Return on assets 0.32%.
  • Efficiency ratio 77.99% vs a 64.48% peer average.
  • Loan-to-deposit ratio 113.20% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 48 in NY
View $100M-$1B leaderboard (NY) →

Geddes Federal Savings and Loan Association has 1 strength but faces 8 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 0.48% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 29.3% in tier
  • - Credit Quality Pressure: Bottom 46.7% in tier
  • - Return on Assets 1.01% below tier average
  • - Net Interest Margin 2.19% below tier average
  • - Loan-to-Deposit Ratio 35.25% above tier average
  • - Non-Interest-Bearing Deposit Share 17.31% below tier average
  • - Non-Interest Income / Assets 0.56% below tier average
  • - Efficiency Ratio 13.51% above tier average
Get updates when Geddes Federal Savings and Loan Association releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Total Assets ? $685.7M
+5.8% YoY +2.4% QoQ
+$299.2M $386.6M
+1.2% YoY
$19.3B
+10.2% YoY
$6.3B
+7.7% YoY
Top 13.3% in tier
Total Loans ? $579.6M
+3.7% YoY -0.1% QoQ
+$321.3M $258.3M
+1.7% YoY
$8.2B
+12.4% YoY
$3.2B
+9.4% YoY
Top 6.9% in tier
Total Deposits ? $512.0M
+7.3% YoY +2.9% QoQ
+$185.3M $326.7M
+0.7% YoY
$14.8B
+8.7% YoY
$4.9B
+7.3% YoY
81%
Return on Assets ? 0.32%
+361.9% YoY +0.3% QoQ
-1.01% 1.32%
+10.8% YoY
0.94%
+14.0% YoY
1.30%
+12.1% YoY
Bottom 7.7% in tier
Net Interest Margin ? 1.80%
+20.5% YoY +2.2% QoQ
-2.19% 3.99%
+5.0% YoY
3.52%
+6.2% YoY
3.95%
+4.9% YoY
Bottom 0.5% in tier
Efficiency Ratio ? 77.99%
-16.3% YoY -1.7% QoQ
+13.51% 64.48%
-3.2% YoY
67.96%
-1.8% YoY
70.05%
+2.5% YoY
16%
Delinquency Rate ? 0.44%
+415.3% YoY +7.3% QoQ
-0.48% 0.92%
+15.7% YoY
1.19%
+15.7% YoY
0.98%
+16.3% YoY
49%
Loan-to-Deposit Ratio ? 113.20%
-3.3% YoY -2.9% QoQ
+35.25% 77.95%
+1.0% YoY
79.34%
+1.1% YoY
79.03%
+2.3% YoY
Bottom 2.2% in tier
Non-Interest-Bearing Deposit Share ? 4.72%
-4.3% YoY +10.4% QoQ
-17.31% 22.03%
-0.6% YoY
22.09%
+0.6% YoY
21.98%
-0.6% YoY
Bottom 3.3% in tier
Nonperforming Asset Ratio ? 0.37%
+404.9% YoY +4.7% QoQ
-0.30% 0.67%
+16.4% YoY
0.79%
+14.5% YoY
0.69%
+15.8% YoY
46%
Tier 1 Capital Ratio ? 14.70%
-4.4% YoY -2.9% QoQ
-1.21% 15.91%
+1.4% YoY
23.90%
+5.3% YoY
17.09%
+0.8% YoY
63%
Non-Interest Income / Assets ? 0.01%
-2.4% YoY +92.2% QoQ
-0.56% 0.57%
+7.6% YoY
0.52%
+23.2% YoY
0.66%
+5.2% YoY
Bottom 0.9% 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 4.7%
-0.2pp YoY
+0.4pp QoQ
 -17.4pp 22.1% 22.1% 22.2% 3%
Brokered Deposits n/a n/a 7.9% 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 11.6% 11.0% 12.5% n/a
CRE n/a n/a 39.5% 46.2% 41.4% n/a
1-4 Family 97.5%
+0.1pp YoY
0.0pp QoQ
 +64.9pp 32.6% 36.6% 31.3% 99%
Consumer 0.0%
0.0pp YoY
0.0pp QoQ
 -4.1pp 4.1% 5.1% 5.0% 3%

Capital

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 26.1% 19.7% n/a
Leverage Ratio 14.7%
-0.7pp YoY
-0.4pp QoQ
 +2.5pp 12.2% 13.9% 12.6% 85%
Total Capital Ratio n/a n/a 19.9% 27.2% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Full-Time Employees 44
+1 (+2.3%) YoY
-1 (-2.2%) QoQ
 -15 58 914 482 46%
Assets per Employee ($) $15.6M
+3.4% YoY
+4.8% QoQ
 +$8.1M $7.5M $14.8M $8.8M 98%
Branch Count 1
0 YoY
0 QoQ
 -4 4 27 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Past Due 90+ Days 0.1%
+0.1pp YoY
0.0pp QoQ
 -0.2pp 0.3% 0.1% 0.4% 51%
Nonaccrual 0.3%
+0.3pp YoY
+0.1pp QoQ
 -0.6pp 0.9% 1.3% 1.0% 42%
Allowance Coverage 0.44x
-80.8% YoY
-6.9% QoQ
 -23.71x 24.15x 1.92x 20.23x 8%
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
ROE 2.1%
+1.7pp YoY
0.0pp QoQ
 -10.1pp 12.2% 7.9% 11.6% 6%
Cost of Funds (YTD) 2.7%
-0.2pp YoY
0.0pp QoQ
 +0.9pp 1.7% 1.8% 1.7% 93%
Net Income ($, YTD) $1.1M
+377.5% YoY
— QoQ
 -$1.5M $2.6M $111.2M $40.4M 28%

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)

Credit Risk Growth

risk
#275 of 936 • Bottom 29.3% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank declining

Credit Quality Pressure

risk
#588 of 1256 • Bottom 46.7% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.44%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank declining

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

183
Total Loans
size
Value: $579.62M
Peer Median: $258.35M
#183 of 2643 Top 6.9% in $100M-$1B
352
Total Assets
size
Value: $685.73M
Peer Median: $386.57M
#352 of 2643 Top 13.3% in $100M-$1B
496
Total Deposits
size
Value: $512.02M
Peer Median: $326.73M
#496 of 2643 Top 18.7% in $100M-$1B

Top Weaknesses (6 metrics)

2630
Net Interest Margin
profitability
Value: 1.80%
Peer Median: 3.99%
#2630 of 2643 Bottom 0.5% in $100M-$1B
2619
Non-Interest Income / Assets
revenue_mix
Value: 0.01%
Peer Median: 0.57%
#2619 of 2643 Bottom 0.9% in $100M-$1B
2587
Loan-to-Deposit Ratio
liquidity
Value: 113.20%
Peer Median: 77.95%
#2587 of 2643 Bottom 2.2% in $100M-$1B
2557
Non-Interest-Bearing Deposit Share
funding
Value: 4.72%
Peer Median: 22.03%
#2557 of 2643 Bottom 3.3% in $100M-$1B
2441
Return on Assets
profitability
Value: 0.32%
Peer Median: 1.32%
#2441 of 2643 Bottom 7.7% in $100M-$1B
2217
Efficiency Ratio
profitability
Value: 77.99%
Peer Median: 64.48%
#2217 of 2643 Bottom 16.2% in $100M-$1B
Powered by BlastPoint © 2026