BlastPoint's Banking Scorecard

Community Federal Savings Bank

$100M-$1B Specialty: Commercial NY FDIC cert 57129

Woodhaven, NY

2664 banks in the $100M-$1B peer group nationally 51 in NY

Community Federal Savings Bank has 4 strengths but faces 2 concerns

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

+ Revenue Diversifier: Top 33.6% in tier
+ Non-Interest-Bearing Deposit Share 34.87% above tier average
+ Net Interest Margin 0.14% above tier average
+ Delinquency Rate 0.45% below tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 14.5% in tier
- Return on Assets 2.37% below tier average

Get updates when Community Federal Savings Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Total Assets ?	$848.6M +6.5% YoY -2.1% QoQ	+$462.5M	$386.1M +0.5% YoY	$19.3B +17.3% YoY	$6.2B +9.1% YoY	Top 6.0% in tier
Total Loans ?	$386.0M +24.0% YoY +10.0% QoQ	+$130.2M	$255.7M +1.1% YoY	$8.1B +14.6% YoY	$3.2B +10.8% YoY	78%
Total Deposits ?	$737.6M +5.5% YoY -2.1% QoQ	+$409.6M	$328.0M +0.1% YoY	$15.1B +16.0% YoY	$4.8B +8.2% YoY	Top 5.0% in tier
Return on Assets ?	-1.10% -164.2% YoY -185.1% QoQ	-2.37%	1.27% +12.9% YoY	0.86% +14.3% YoY	1.23% +13.4% YoY	Bottom 1.0% in tier
Net Interest Margin ?	4.07% -12.0% YoY -9.3% QoQ	+0.14%	3.93% +6.0% YoY	3.45% +7.0% YoY	3.89% +5.7% YoY	61%
Efficiency Ratio ?	112.04% +34.1% YoY +35.1% QoQ	+46.75%	65.29% -4.5% YoY	69.17% -3.6% YoY	66.95% -4.1% YoY	Bottom 1.2% in tier
Delinquency Rate ?	0.44% -44.7% YoY -35.5% QoQ	-0.45%	0.89% +18.8% YoY	1.13% +6.9% YoY	0.95% +18.8% YoY	49%
Loan-to-Deposit Ratio ?	52.33% +17.6% YoY +12.4% QoQ	-24.31%	76.64% +0.8% YoY	77.98% +0.4% YoY	76.70% +0.9% YoY	Top 11.3% in tier
Non-Interest-Bearing Deposit Share ?	56.89% -14.6% YoY -6.6% QoQ	+34.87%	22.02% -1.0% YoY	21.94% +1.2% YoY	22.01% -1.2% YoY	Top 0.9% in tier
Nonperforming Asset Ratio ?	0.20% -35.6% YoY -27.5% QoQ	-0.44%	0.64% +19.7% YoY	0.73% +4.5% YoY	0.67% +19.3% YoY	60%
Tier 1 Capital Ratio ?	19.84% -17.9% YoY -13.4% QoQ	+4.01%	15.83% +1.5% YoY	24.83% +10.8% YoY	17.06% +0.8% YoY	Top 13.8% in tier
Non-Interest Income / Assets ?	1.44% +1.2% YoY -72.9% QoQ	+1.16%	0.28% +9.3% YoY	0.21% +9.1% YoY	0.32% +4.1% YoY	Top 1.4% 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 (1)

Revenue Diversifier

growth

#225 of 666 • Top 33.6% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 1.44%

(Tier: 0.28%, National: 0.32%)

better than tier avg

Return on Assets: -1.10%

(Tier: 1.27%, National: 1.23%)

but worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Concerns (1)

Efficiency Drag

risk

#61 of 414 • Bottom 14.5% in tier

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

Why this signature

Efficiency Ratio: 112.04%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

414 of 414 Community banks match · 492 nationally

→ Stable | 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 (7 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 56.89%

Peer Median: 22.02%

#25 of 2664 Top 0.9% in $100M-$1B

Non-Interest Income / Assets

revenue_mix

Value: 1.44%

Peer Median: 0.28%

#37 of 2664 Top 1.4% in $100M-$1B

135

Total Deposits

size

Value: $737.55M

Peer Median: $327.97M

#135 of 2664 Top 5.0% in $100M-$1B

160

Total Assets

size

Value: $848.61M

Peer Median: $386.08M

#160 of 2664 Top 6.0% in $100M-$1B

302

Loan-to-Deposit Ratio

liquidity

Value: 52.33%

Peer Median: 76.64%

#302 of 2664 Top 11.3% in $100M-$1B

369

Tier 1 Capital Ratio

capital

Value: 19.84%

Peer Median: 15.83%

#369 of 2664 Top 13.8% in $100M-$1B

580

Total Loans

size

Value: $385.95M

Peer Median: $255.72M

#580 of 2664 Top 21.7% in $100M-$1B

Top Weaknesses (2 metrics)

2639

Return on Assets

profitability

Value: -1.10%

Peer Median: 1.27%

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

2634

Efficiency Ratio

profitability

Value: 112.04%

Peer Median: 65.29%

#2634 of 2664 Bottom 1.2% in $100M-$1B