BlastPoint's Banking Scorecard
Slovenian Savings and Loan Association of Franklin-Conemaugh
Designations: ✓ Mutual
Conemaugh, PA
5 branches across PA
Slovenian Savings and Loan Association of Franklin-Conemaugh has 1 strength but faces 7 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.18% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 17.6% in tier
- - Credit Risk Growth: Bottom 26.4% in tier
- - Credit Quality Pressure: Bottom 36.4% in tier
- - Return on Assets 1.16% below tier average
- - Net Interest Margin 1.68% below tier average
- - Efficiency Ratio 25.82% above tier average
- - Non-Interest-Bearing Deposit Share 19.91% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$181.0M
+2.3% YoY
+1.1% QoQ
|
-$205.1M |
$386.1M
+0.5% YoY
|
$3.1B
+7.0% YoY
|
$6.2B
+9.1% YoY
|
22% |
| Total Loans ? |
$118.7M
+6.5% YoY
+0.7% QoQ
|
-$137.0M |
$255.7M
+1.1% YoY
|
$2.2B
+7.7% YoY
|
$3.2B
+10.8% YoY
|
25% |
| Total Deposits ? |
$168.2M
+5.3% YoY
+2.5% QoQ
|
-$159.7M |
$328.0M
+0.1% YoY
|
$2.6B
+7.1% YoY
|
$4.8B
+8.2% YoY
|
26% |
| Return on Assets ? |
0.10%
+201.5% YoY
+150.8% QoQ
|
-1.16% |
1.27%
+12.9% YoY
|
1.46%
+26.2% YoY
|
1.23%
+13.4% YoY
|
Bottom 4.8% in tier |
| Net Interest Margin ? |
2.25%
+20.0% YoY
+11.0% QoQ
|
-1.68% |
3.93%
+6.0% YoY
|
3.32%
+8.7% YoY
|
3.89%
+5.7% YoY
|
Bottom 1.5% in tier |
| Efficiency Ratio ? |
91.10%
-15.1% YoY
-15.1% QoQ
|
+25.82% |
65.29%
-4.5% YoY
|
69.09%
-7.7% YoY
|
66.95%
-4.1% YoY
|
Bottom 5.9% in tier |
| Delinquency Rate ? |
0.71%
+21.7% YoY
-33.2% QoQ
|
-0.18% |
0.89%
+18.8% YoY
|
0.92%
+20.5% YoY
|
0.95%
+18.8% YoY
|
36% |
| Loan-to-Deposit Ratio ? |
70.56%
+1.1% YoY
-1.7% QoQ
|
-6.08% |
76.64%
+0.8% YoY
|
83.35%
-0.2% YoY
|
76.70%
+0.9% YoY
|
66% |
| Non-Interest-Bearing Deposit Share ? |
2.11%
-7.2% YoY
+4.9% QoQ
|
-19.91% |
22.02%
-1.0% YoY
|
17.71%
-0.1% YoY
|
22.01%
-1.2% YoY
|
Bottom 1.6% in tier |
| Nonperforming Asset Ratio ? |
0.46%
+26.7% YoY
-33.5% QoQ
|
-0.17% |
0.64%
+19.7% YoY
|
0.67%
+14.7% YoY
|
0.67%
+19.3% YoY
|
40% |
| Tier 1 Capital Ratio ? |
9.89%
-4.6% YoY
+0.5% QoQ
|
-5.94% |
15.83%
+1.5% YoY
|
20.10%
+0.3% YoY
|
17.06%
+0.8% YoY
|
Bottom 8.5% in tier |
| Non-Interest Income / Assets ? |
0.10%
+4.2% YoY
-73.9% QoQ
|
-0.18% |
0.28%
+9.3% YoY
|
0.69%
+18.0% YoY
|
0.32%
+4.1% YoY
|
51% |
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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)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
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.