BlastPoint's Banking Scorecard
Geddes Federal Savings and Loan Association
Designations: ✓ Mutual
Syracuse, NY
Geddes Federal Savings and Loan Association has 1 strength but faces 8 concerns
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 27.5% in tier
- - Credit Quality Pressure: Bottom 42.3% in tier
- - Return on Assets 0.95% below tier average
- - Net Interest Margin 2.17% below tier average
- - Loan-to-Deposit Ratio 39.92% above tier average
- - Non-Interest-Bearing Deposit Share 17.74% below tier average
- - Non-Interest Income / Assets 0.28% below tier average
- - Efficiency Ratio 14.02% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$669.5M
+4.4% YoY
+2.6% QoQ
|
+$283.4M |
$386.1M
+0.5% YoY
|
$19.3B
+17.3% YoY
|
$6.2B
+9.1% YoY
|
Top 14.1% in tier |
| Total Loans ? |
$579.9M
+4.3% YoY
+1.5% QoQ
|
+$324.2M |
$255.7M
+1.1% YoY
|
$8.1B
+14.6% YoY
|
$3.2B
+10.8% YoY
|
Top 6.7% in tier |
| Total Deposits ? |
$497.6M
+5.7% YoY
+1.5% QoQ
|
+$169.6M |
$328.0M
+0.1% YoY
|
$15.1B
+16.0% YoY
|
$4.8B
+8.2% YoY
|
79% |
| Return on Assets ? |
0.32%
+382.0% YoY
+741.7% QoQ
|
-0.95% |
1.27%
+12.9% YoY
|
0.86%
+14.3% YoY
|
1.23%
+13.4% YoY
|
Bottom 8.3% in tier |
| Net Interest Margin ? |
1.76%
+23.1% YoY
+12.1% QoQ
|
-2.17% |
3.93%
+6.0% YoY
|
3.45%
+7.0% YoY
|
3.89%
+5.7% YoY
|
Bottom 0.4% in tier |
| Efficiency Ratio ? |
79.30%
-17.1% YoY
-17.7% QoQ
|
+14.02% |
65.29%
-4.5% YoY
|
69.17%
-3.6% YoY
|
66.95%
-4.1% YoY
|
16% |
| Delinquency Rate ? |
0.41%
+327.4% YoY
+65.4% QoQ
|
-0.48% |
0.89%
+18.8% YoY
|
1.13%
+6.9% YoY
|
0.95%
+18.8% YoY
|
50% |
| Loan-to-Deposit Ratio ? |
116.55%
-1.3% YoY
-0.1% QoQ
|
+39.92% |
76.64%
+0.8% YoY
|
77.98%
+0.4% YoY
|
76.70%
+0.9% YoY
|
Bottom 1.4% in tier |
| Non-Interest-Bearing Deposit Share ? |
4.28%
+8.4% YoY
-5.3% QoQ
|
-17.74% |
22.02%
-1.0% YoY
|
21.94%
+1.2% YoY
|
22.01%
-1.2% YoY
|
Bottom 3.0% in tier |
| Nonperforming Asset Ratio ? |
0.36%
+327.1% YoY
+63.5% QoQ
|
-0.28% |
0.64%
+19.7% YoY
|
0.73%
+4.5% YoY
|
0.67%
+19.3% YoY
|
46% |
| Tier 1 Capital Ratio ? |
15.14%
-1.1% YoY
-1.0% QoQ
|
-0.69% |
15.83%
+1.5% YoY
|
24.83%
+10.8% YoY
|
17.06%
+0.8% YoY
|
67% |
| Non-Interest Income / Assets ? |
0.00%
-17.2% YoY
-76.0% QoQ
|
-0.28% |
0.28%
+9.3% YoY
|
0.21%
+9.1% YoY
|
0.32%
+4.1% YoY
|
Bottom 0.8% in tier |
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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 (0)
Concerns (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.