BlastPoint's Banking Scorecard
First Federal Savings and Loan Association of San Rafael
Designations: ✓ Mutual
San Rafael, CA
4 branches across CA
First Federal Savings and Loan Association of San Rafael has 2 strengths but faces 8 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 44.3% in tier
- + Nonperforming Asset Ratio 0.64% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 5.5% in tier
- - Liquidity Strain: Bottom 18.2% in tier
- - Deposit Outflow: Bottom 24.9% in tier
- - Capital Constraint: Bottom 91.7% in tier
- - Return on Assets 1.17% below tier average
- - Efficiency Ratio 31.41% above tier average
- - Non-Interest-Bearing Deposit Share 19.94% below tier average
- - Non-Interest Income / Assets 0.25% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$220.0M
-7.3% YoY
-0.5% QoQ
|
-$166.1M |
$386.1M
+0.5% YoY
|
$4.7B
+7.7% YoY
|
$6.2B
+9.1% YoY
|
31% |
| Total Loans ? |
$196.9M
-9.0% YoY
-0.6% QoQ
|
-$58.8M |
$255.7M
+1.1% YoY
|
$3.2B
+8.4% YoY
|
$3.2B
+10.8% YoY
|
48% |
| Total Deposits ? |
$176.4M
-5.1% YoY
+0.5% QoQ
|
-$151.6M |
$328.0M
+0.1% YoY
|
$3.9B
+7.0% YoY
|
$4.8B
+8.2% YoY
|
28% |
| Return on Assets ? |
0.10%
+112.5% YoY
+116.5% QoQ
|
-1.17% |
1.27%
+12.9% YoY
|
1.80%
+29.4% YoY
|
1.23%
+13.4% YoY
|
Bottom 4.5% in tier |
| Net Interest Margin ? |
2.99%
+15.7% YoY
+10.8% QoQ
|
-0.94% |
3.93%
+6.0% YoY
|
3.85%
+3.8% YoY
|
3.89%
+5.7% YoY
|
Bottom 11.3% in tier |
| Efficiency Ratio ? |
96.70%
-33.2% YoY
-12.5% QoQ
|
+31.41% |
65.29%
-4.5% YoY
|
68.78%
-8.1% YoY
|
66.95%
-4.1% YoY
|
Bottom 3.3% in tier |
| Delinquency Rate ? | 0.00% | -0.89% |
0.89%
+18.8% YoY
|
1.17%
+69.3% YoY
|
0.95%
+18.8% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
111.64%
-4.1% YoY
-1.0% QoQ
|
+35.00% |
76.64%
+0.8% YoY
|
85.13%
+2.0% YoY
|
76.70%
+0.9% YoY
|
Bottom 2.4% in tier |
| Non-Interest-Bearing Deposit Share ? |
2.08%
+1.0% YoY
-20.4% QoQ
|
-19.94% |
22.02%
-1.0% YoY
|
25.15%
-3.9% YoY
|
22.01%
-1.2% YoY
|
Bottom 1.6% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.64% |
0.64%
+19.7% YoY
|
0.91%
+65.9% YoY
|
0.67%
+19.3% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
24.04%
+11.1% YoY
+0.8% QoQ
|
+8.21% |
15.83%
+1.5% YoY
|
21.08%
-3.4% YoY
|
17.06%
+0.8% YoY
|
Top 7.5% in tier |
| Non-Interest Income / Assets ? |
0.03%
+16.2% YoY
-74.7% QoQ
|
-0.25% |
0.28%
+9.3% YoY
|
0.70%
+11.6% YoY
|
0.32%
+4.1% YoY
|
Bottom 6.2% 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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (4)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.