BlastPoint's Banking Scorecard
Balboa Thrift and Loan Association
Micro
Specialty: Commercial
CA
FDIC cert 26704
Chula Vista, CA
2498
banks in Micro tier nationally
36 in CA
View Micro leaderboard (CA) →
Balboa Thrift and Loan Association has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.14% above tier
- + Loan-to-Deposit Ratio 27.00% above tier
Key Concerns
Areas that may need attention
- - Return on Assets 1.59% below tier
- - Non-Interest-Bearing Deposit Share 21.83% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$409.5M
-3.0% YoY
-3.4% QoQ
|
+$192.0M |
$217.5M
+2.3% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
Top 11% in tier |
| Total Loans ? |
$366.9M
-1.5% YoY
-2.2% QoQ
|
+$227.7M |
$139.2M
+2.8% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
Top 1% in tier |
| Total Deposits ? |
$361.4M
-3.0% YoY
-3.7% QoQ
|
+$177.7M |
$183.7M
+1.8% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
Top 8% in tier |
| Return on Assets ? |
-0.51%
-16.2% YoY
-13.6% QoQ
|
-1.59% |
1.08%
+14.7% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 4% in tier |
| Net Interest Margin ? |
4.99%
+12.2% YoY
+3.4% QoQ
|
+1.14% |
3.85%
+6.6% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
Top 10% in tier |
| Efficiency Ratio ? |
75.65%
-4.1% YoY
-1.4% QoQ
|
+7.93% |
67.73%
-4.8% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
27% |
| Delinquency Rate ? |
0.50%
+18.6% YoY
+22.0% QoQ
|
-0.14% |
0.64%
+24.4% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
45% |
| Loan-to-Deposit Ratio ? |
101.53%
+1.5% YoY
+1.6% QoQ
|
+27.00% |
74.53%
+0.5% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
Top 8% in tier |
| Non-Interest-Bearing Deposit Share ? |
0.57%
+7.6% YoY
+60.4% QoQ
|
-21.83% |
22.39%
-1.3% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
Bottom 2% in tier |
| Nonperforming Asset Ratio ? |
0.45%
+20.4% YoY
+23.5% QoQ
|
-0.01% |
0.45%
+25.1% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
40% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.14%
-5.1% YoY
+29.3% QoQ
|
-0.43% |
0.56%
+0.3% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
Bottom 13% in tier |
Signature Analysis
Strengths (2)
Net Interest Margin
metric
Top 10%
in Micro
Why this stands out
Current:
4.99%
(Tier avg: 3.85%, National avg: 3.75%)
Loan-to-Deposit Ratio
metric
Top 8%
in Micro
Why this stands out
Current:
101.53%
(Tier avg: 74.53%, National avg: 78.04%)
Concerns (2)
Return on Assets
metric
Bottom 4%
in Micro
Why this stands out
Current:
-0.51%
(Tier avg: 1.08%, National avg: 1.12%)
Non-Interest-Bearing Deposit Share
metric
Bottom 2%
in Micro
Why this stands out
Current:
0.57%
(Tier avg: 22.39%, National avg: 21.79%)
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
99
99th pctile
Total Loans
Current: $366.9M · Tier avg: $139.2M
92
92th pctile
Loan-to-Deposit Ratio
Current: 101.53% · Tier avg: 74.53%
92
92th pctile
Total Deposits
Current: $361.4M · Tier avg: $183.7M
90
90th pctile
Net Interest Margin
Current: 4.99% · Tier avg: 3.85%
89
89th pctile
Total Assets
Current: $409.5M · Tier avg: $217.5M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
45
45th pctile
Delinquency Rate
Current: 0.50% · Tier avg: 0.64%
40
40th pctile
Nonperforming Asset Ratio
Current: 0.45% · Tier avg: 0.45%
27
27th pctile
Efficiency Ratio
Current: 75.65% · Tier avg: 67.73%
13
13th pctile
Non-Interest Income / Assets
Current: 0.14% · Tier avg: 0.56%
4
4th pctile
Return on Assets
Current: -0.51% · Tier avg: 1.08%
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 0.57% · Tier avg: 22.39%
Top Weaknesses
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 0.57% · Tier avg: 22.39%
4
4th pctile
Return on Assets
Current: -0.51% · Tier avg: 1.08%
13
13th pctile
Non-Interest Income / Assets
Current: 0.14% · Tier avg: 0.56%
27
27th pctile
Efficiency Ratio
Current: 75.65% · Tier avg: 67.73%
40
40th pctile
Nonperforming Asset Ratio
Current: 0.45% · Tier avg: 0.45%
45
45th pctile
Delinquency Rate
Current: 0.50% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
89
89th pctile
Total Assets
Current: $409.5M · Tier avg: $217.5M
90
90th pctile
Net Interest Margin
Current: 4.99% · Tier avg: 3.85%
92
92th pctile
Total Deposits
Current: $361.4M · Tier avg: $183.7M
92
92th pctile
Loan-to-Deposit Ratio
Current: 101.53% · Tier avg: 74.53%
99
99th pctile
Total Loans
Current: $366.9M · Tier avg: $139.2M