BlastPoint's Banking Scorecard
Savers Co-operative Bank
Community
Specialty: Commercial
MA
FDIC cert 26455
Designations: ✓ Mutual
Southbridge, MA
1484
banks in Community tier nationally
59 in MA
View Community leaderboard (MA) →
Savers Co-operative Bank faces 5 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 32% in Community
- - Return on Assets 0.87% below tier
- - Delinquency Rate 1.89% above tier
- - Loan-to-Deposit Ratio 26.91% above tier
- - Nonperforming Asset Ratio 1.47% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$791.7M
+2.8% YoY
-0.4% QoQ
|
-$599.8M |
$1.4B
+2.0% YoY
|
$6.4B
+8.5% YoY
|
$5.9B
+6.5% YoY
|
34% |
| Total Loans ? |
$609.9M
+4.2% YoY
-0.1% QoQ
|
-$365.6M |
$975.5M
+2.4% YoY
|
$2.4B
+16.3% YoY
|
$3.1B
+8.5% YoY
|
42% |
| Total Deposits ? |
$554.6M
+0.0% YoY
-2.9% QoQ
|
-$610.0M |
$1.2B
+1.7% YoY
|
$5.0B
+10.3% YoY
|
$4.7B
+6.3% YoY
|
22% |
| Return on Assets ? |
0.29%
-38.2% YoY
-13.7% QoQ
|
-0.87% |
1.16%
+17.2% YoY
|
0.52%
+26.7% YoY
|
1.12%
+15.6% YoY
|
Bottom 6% in tier |
| Net Interest Margin ? |
2.86%
+6.6% YoY
+1.3% QoQ
|
-0.81% |
3.66%
+9.1% YoY
|
2.94%
+13.0% YoY
|
3.75%
+7.1% YoY
|
Bottom 13% in tier |
| Efficiency Ratio ? |
72.83%
-7.1% YoY
-1.4% QoQ
|
+10.20% |
62.63%
-5.3% YoY
|
75.86%
-7.9% YoY
|
65.09%
-5.1% YoY
|
21% |
| Delinquency Rate ? |
2.52%
+485.6% YoY
+81.1% QoQ
|
+1.89% |
0.63%
+18.3% YoY
|
0.54%
+38.4% YoY
|
0.66%
+20.3% YoY
|
Bottom 6% in tier |
| Loan-to-Deposit Ratio ? |
109.97%
+4.2% YoY
+2.8% QoQ
|
+26.91% |
83.06%
+0.3% YoY
|
93.81%
-0.9% YoY
|
78.04%
+0.7% YoY
|
Bottom 4% in tier |
| Non-Interest-Bearing Deposit Share ? |
15.51%
+3.0% YoY
+1.0% QoQ
|
-5.54% |
21.05%
-0.9% YoY
|
15.94%
-0.9% YoY
|
21.79%
-1.3% YoY
|
28% |
| Nonperforming Asset Ratio ? |
1.97%
+449.3% YoY
+79.2% QoQ
|
+1.47% |
0.50%
+20.3% YoY
|
0.44%
+49.4% YoY
|
0.48%
+20.8% YoY
|
Bottom 6% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
10.08%
-2.1% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.44%
+3.5% YoY
+33.0% QoQ
|
-0.30% |
0.74%
-1.3% YoY
|
0.45%
+1.2% YoY
|
0.65%
+0.6% YoY
|
41% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (5)
Capital Thin
risk
#139 of 432 · Bottom 32% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
Return on Assets
metric
Bottom 6%
in Community
Why this stands out
Current:
0.29%
(Tier avg: 1.16%, National avg: 1.12%)
Delinquency Rate
metric
Bottom 6%
in Community
Why this stands out
Current:
2.52%
(Tier avg: 0.63%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Bottom 4%
in Community
Why this stands out
Current:
109.97%
(Tier avg: 83.06%, National avg: 78.04%)
Nonperforming Asset Ratio
metric
Bottom 6%
in Community
Why this stands out
Current:
1.97%
(Tier avg: 0.50%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
42
42th pctile
Total Loans
Current: $609.9M · Tier avg: $975.5M
41
41th pctile
Non-Interest Income / Assets
Current: 0.44% · Tier avg: 0.74%
34
34th pctile
Total Assets
Current: $791.7M · Tier avg: $1.4B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
28
28th pctile
Non-Interest-Bearing Deposit Share
Current: 15.51% · Tier avg: 21.05%
22
22th pctile
Total Deposits
Current: $554.6M · Tier avg: $1.2B
21
21th pctile
Efficiency Ratio
Current: 72.83% · Tier avg: 62.63%
13
13th pctile
Net Interest Margin
Current: 2.86% · Tier avg: 3.66%
6
6th pctile
Delinquency Rate
Current: 2.52% · Tier avg: 0.63%
6
6th pctile
Nonperforming Asset Ratio
Current: 1.97% · Tier avg: 0.50%
6
6th pctile
Return on Assets
Current: 0.29% · Tier avg: 1.16%
4
4th pctile
Loan-to-Deposit Ratio
Current: 109.97% · Tier avg: 83.06%
Top Weaknesses
4
4th pctile
Loan-to-Deposit Ratio
Current: 109.97% · Tier avg: 83.06%
6
6th pctile
Return on Assets
Current: 0.29% · Tier avg: 1.16%
6
6th pctile
Nonperforming Asset Ratio
Current: 1.97% · Tier avg: 0.50%
6
6th pctile
Delinquency Rate
Current: 2.52% · Tier avg: 0.63%
13
13th pctile
Net Interest Margin
Current: 2.86% · Tier avg: 3.66%
21
21th pctile
Efficiency Ratio
Current: 72.83% · Tier avg: 62.63%
22
22th pctile
Total Deposits
Current: $554.6M · Tier avg: $1.2B
28
28th pctile
Non-Interest-Bearing Deposit Share
Current: 15.51% · Tier avg: 21.05%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
34
34th pctile
Total Assets
Current: $791.7M · Tier avg: $1.4B
41
41th pctile
Non-Interest Income / Assets
Current: 0.44% · Tier avg: 0.74%
42
42th pctile
Total Loans
Current: $609.9M · Tier avg: $975.5M