BlastPoint's Banking Scorecard
First Federal Savings and Loan Association
Designations: ✓ Community bank ✓ Mutual
Morehead, KY
First Federal Savings and Loan Association has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.27% above tier average
- + Efficiency Ratio 6.92% below tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 57.87% above tier average
- - Non-Interest-Bearing Deposit Share 23.49% below tier average
- - ROA 0.23% below tier average
- - Delinquency Rate 0.81% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$40.8M
+2.6% YoY
+1.2% QoQ
|
-$21.4M |
$62.3M
-0.5% YoY
|
$702.0M
+4.4% YoY
|
$6.2B
+9.0% YoY
|
22% |
| Total Loans ? |
$36.5M
+3.1% YoY
+0.7% QoQ
|
+$2.2M |
$34.3M
-1.5% YoY
|
$492.7M
+5.5% YoY
|
$3.2B
+10.7% YoY
|
58% |
| Total Deposits ? |
$29.9M
+8.0% YoY
+1.0% QoQ
|
-$21.9M |
$51.8M
-0.6% YoY
|
$590.5M
+4.1% YoY
|
$4.8B
+8.0% YoY
|
19% |
| Return on Assets ? |
0.62%
+139.5% YoY
+164.7% QoQ
|
-0.23% |
0.86%
-3.6% YoY
|
1.25%
+16.2% YoY
|
1.24%
+13.1% YoY
|
35% |
| Net Interest Margin ? |
4.14%
+15.4% YoY
+12.8% QoQ
|
+0.27% |
3.87%
+2.7% YoY
|
3.88%
+7.4% YoY
|
3.89%
+5.7% YoY
|
63% |
| Efficiency Ratio ? |
80.71%
-10.3% YoY
-10.8% QoQ
|
-6.92% |
87.63%
+2.3% YoY
|
64.22%
-6.1% YoY
|
66.84%
-3.8% YoY
|
33% |
| Delinquency Rate ? |
2.17%
+31.1% YoY
-3.7% QoQ
|
+0.81% |
1.36%
+33.7% YoY
|
0.89%
+17.0% YoY
|
0.95%
+18.8% YoY
|
20% |
| Loan-to-Deposit Ratio ? |
121.98%
-4.6% YoY
-0.3% QoQ
|
+57.87% |
64.11%
-0.9% YoY
|
80.71%
+1.5% YoY
|
76.69%
+0.9% YoY
|
Bottom 1.9% in tier |
| Non-Interest-Bearing Deposit Share ? |
0.30%
-52.9% YoY
-49.4% QoQ
|
-23.49% |
23.79%
+0.5% YoY
|
23.47%
-1.8% YoY
|
22.01%
-1.1% YoY
|
Bottom 5.4% in tier |
| Nonperforming Asset Ratio ? |
1.94%
+31.7% YoY
-4.2% QoQ
|
+1.17% |
0.77%
+28.7% YoY
|
0.61%
+22.3% YoY
|
0.66%
+19.3% YoY
|
Bottom 11.5% in tier |
| Tier 1 Capital Ratio ? |
38.68%
-1.5% YoY
-1.6% QoQ
|
+11.91% |
26.77%
+2.0% YoY
|
14.97%
-0.1% YoY
|
17.06%
+0.8% YoY
|
Top 11.2% in tier |
| Non-Interest Income / Assets ? |
0.05%
+85.1% YoY
-65.2% QoQ
|
-0.62% |
0.67%
+1.6% YoY
|
0.16%
+4.4% YoY
|
0.32%
+4.0% YoY
|
40% |
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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)
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Metric Rankings
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