BlastPoint's Banking Scorecard
Volunteer Federal Savings Bank
Designations: ✓ Mutual
Madisonville, TN
6 branches across TN
Volunteer Federal Savings Bank has 1 strength but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.54% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 25.0% in tier
- - Credit Risk Growth: Bottom 32.2% in tier
- - Liquidity Overhang: Bottom 40.3% in tier
- - ROA 0.38% below tier average
- - Net Interest Margin 0.70% below tier average
- - Efficiency Ratio 3.93% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$396.2M
+9.0% YoY
+2.2% QoQ
|
+$10.1M |
$386.1M
+0.5% YoY
|
$2.8B
+35.7% YoY
|
$6.2B
+9.1% YoY
|
61% |
| Total Loans ? |
$250.0M
+8.0% YoY
+1.4% QoQ
|
-$5.7M |
$255.7M
+1.1% YoY
|
$2.0B
+36.6% YoY
|
$3.2B
+10.8% YoY
|
59% |
| Total Deposits ? |
$353.7M
+8.8% YoY
+2.6% QoQ
|
+$25.8M |
$328.0M
+0.1% YoY
|
$2.4B
+35.2% YoY
|
$4.8B
+8.2% YoY
|
63% |
| Return on Assets ? |
0.89%
+68.4% YoY
+8.2% QoQ
|
-0.38% |
1.27%
+12.9% YoY
|
1.12%
+20.1% YoY
|
1.23%
+13.4% YoY
|
31% |
| Net Interest Margin ? |
3.23%
+11.3% YoY
+4.0% QoQ
|
-0.70% |
3.93%
+6.0% YoY
|
3.93%
+7.0% YoY
|
3.89%
+5.7% YoY
|
19% |
| Efficiency Ratio ? |
69.22%
-9.4% YoY
-2.1% QoQ
|
+3.93% |
65.29%
-4.5% YoY
|
66.13%
-5.5% YoY
|
66.95%
-4.1% YoY
|
34% |
| Delinquency Rate ? |
0.35%
+36.1% YoY
-1.8% QoQ
|
-0.54% |
0.89%
+18.8% YoY
|
0.68%
+13.4% YoY
|
0.95%
+18.8% YoY
|
54% |
| Loan-to-Deposit Ratio ? |
70.69%
-0.7% YoY
-1.2% QoQ
|
-5.95% |
76.64%
+0.8% YoY
|
79.84%
+2.1% YoY
|
76.70%
+0.9% YoY
|
65% |
| Non-Interest-Bearing Deposit Share ? |
18.07%
+3.5% YoY
+3.7% QoQ
|
-3.95% |
22.02%
-1.0% YoY
|
18.48%
-3.8% YoY
|
22.01%
-1.2% YoY
|
36% |
| Nonperforming Asset Ratio ? |
0.22%
+34.9% YoY
-2.6% QoQ
|
-0.42% |
0.64%
+19.7% YoY
|
0.56%
+16.1% YoY
|
0.67%
+19.3% YoY
|
57% |
| Tier 1 Capital Ratio ? |
22.13%
+3.9% YoY
-0.6% QoQ
|
+6.30% |
15.83%
+1.5% YoY
|
14.23%
-1.0% YoY
|
17.06%
+0.8% YoY
|
Top 9.8% in tier |
| Non-Interest Income / Assets ? |
0.15%
-3.8% YoY
-77.5% QoQ
|
-0.13% |
0.28%
+9.3% YoY
|
0.17%
-1.0% YoY
|
0.32%
+4.1% YoY
|
74% |
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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 (3)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.