BlastPoint's Banking Scorecard

Westmoreland Federal Savings and Loan Association

$100M-$1B Specialty: Mortgage PA FDIC cert 30551

Designations: ✓ Mutual

Latrobe, PA

2664 banks in the $100M-$1B peer group nationally 55 in PA

Westmoreland Federal Savings and Loan Association faces 7 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 1.2% in tier
- Liquidity Overhang: Bottom 40.0% in tier
- Return on Assets 1.60% below tier average
- Net Interest Margin 1.89% below tier average
- Non-Interest-Bearing Deposit Share 19.71% below tier average
- Non-Interest Income / Assets 0.28% below tier average
- Delinquency Rate 0.49% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Total Assets ?	$168.4M +1.1% YoY +0.7% QoQ	-$217.6M	$386.1M +0.5% YoY	$3.1B +7.0% YoY	$6.2B +9.1% YoY	19%
Total Loans ?	$68.5M +0.5% YoY -1.8% QoQ	-$187.2M	$255.7M +1.1% YoY	$2.2B +7.7% YoY	$3.2B +10.8% YoY	Bottom 7.1% in tier
Total Deposits ?	$123.0M +0.8% YoY +1.1% QoQ	-$205.0M	$328.0M +0.1% YoY	$2.6B +7.1% YoY	$4.8B +8.2% YoY	Bottom 12.8% in tier
Return on Assets ?	-0.33% -171.4% YoY -162.8% QoQ	-1.60%	1.27% +12.9% YoY	1.46% +26.2% YoY	1.23% +13.4% YoY	Bottom 2.3% in tier
Net Interest Margin ?	2.04% +13.7% YoY +1.3% QoQ	-1.89%	3.93% +6.0% YoY	3.32% +8.7% YoY	3.89% +5.7% YoY	Bottom 1.0% in tier
Efficiency Ratio ?	83.25% -8.4% YoY -0.0% QoQ	+17.97%	65.29% -4.5% YoY	69.09% -7.7% YoY	66.95% -4.1% YoY	Bottom 11.9% in tier
Delinquency Rate ?	1.38% +17.2% YoY -11.7% QoQ	+0.49%	0.89% +18.8% YoY	0.92% +20.5% YoY	0.95% +18.8% YoY	21%
Loan-to-Deposit Ratio ?	55.70% -0.4% YoY -2.9% QoQ	-20.93%	76.64% +0.8% YoY	83.35% -0.2% YoY	76.70% +0.9% YoY	Top 14.3% in tier
Non-Interest-Bearing Deposit Share ?	2.31% +3.0% YoY +33.1% QoQ	-19.71%	22.02% -1.0% YoY	17.71% -0.1% YoY	22.01% -1.2% YoY	Bottom 1.8% in tier
Nonperforming Asset Ratio ?	0.56% +16.5% YoY -14.0% QoQ	-0.08%	0.64% +19.7% YoY	0.67% +14.7% YoY	0.67% +19.3% YoY	34%
Tier 1 Capital Ratio ?	26.68% +1.0% YoY -1.1% QoQ	+10.85%	15.83% +1.5% YoY	20.10% +0.3% YoY	17.06% +0.8% YoY	Top 5.3% in tier
Non-Interest Income / Assets ?	0.00% -1.0% YoY -77.1% QoQ	-0.28%	0.28% +9.3% YoY	0.69% +18.0% YoY	0.32% +4.1% YoY	Bottom 0.6% 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)

Efficiency Drag

risk

#6 of 414 • Bottom 1.2% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 83.25%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

414 of 414 Community banks match · 492 nationally

→ Stable | QoQ rank improving

Liquidity Overhang

risk

#297 of 739 • Bottom 40.0% 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: 26.68%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 55.70%

(Tier: 76.64%, National: 76.70%)

better than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (2 metrics)

141

Tier 1 Capital Ratio

capital

Value: 26.68%

Peer Median: 15.83%

#141 of 2664 Top 5.3% in $100M-$1B

382

Loan-to-Deposit Ratio

liquidity

Value: 55.70%

Peer Median: 76.64%

#382 of 2664 Top 14.3% in $100M-$1B

Top Weaknesses (9 metrics)

2650

Non-Interest Income / Assets

revenue_mix

Value: 0.00%

Peer Median: 0.28%

#2650 of 2664 Bottom 0.6% in $100M-$1B

2639

Net Interest Margin

profitability

Value: 2.04%

Peer Median: 3.93%

#2639 of 2664 Bottom 1.0% in $100M-$1B

2618

Non-Interest-Bearing Deposit Share

funding

Value: 2.31%

Peer Median: 22.02%

#2618 of 2664 Bottom 1.8% in $100M-$1B

2605

Return on Assets

profitability

Value: -0.33%

Peer Median: 1.27%

#2605 of 2664 Bottom 2.3% in $100M-$1B

2476

Total Loans

size

Value: $68.49M

Peer Median: $255.72M

#2476 of 2664 Bottom 7.1% in $100M-$1B

2348

Efficiency Ratio

profitability

Value: 83.25%

Peer Median: 65.29%

#2348 of 2664 Bottom 11.9% in $100M-$1B

2324

Total Deposits

size

Value: $122.95M

Peer Median: $327.97M

#2324 of 2664 Bottom 12.8% in $100M-$1B

2157

Total Assets

size

Value: $168.44M

Peer Median: $386.08M

#2157 of 2664 Bottom 19.1% in $100M-$1B

2100

Delinquency Rate

credit_quality

Value: 1.38%

Peer Median: 0.89%

#2100 of 2654 Bottom 20.9% in $100M-$1B