BlastPoint's Banking Scorecard
Mutual Savings and Loan Association
Micro
Specialty: Mortgage
LA
FDIC cert 27716
Designations: ✓ Community bank
Metairie, LA
2498
banks in Micro tier nationally
66 in LA
View Micro leaderboard (LA) →
Mutual Savings and Loan Association faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 1.50% below tier
- - Efficiency Ratio 45.42% above tier
- - Loan-to-Deposit Ratio 78.43% above tier
- - Non-Interest Income / Assets 0.47% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$37.4M
-15.0% YoY
+3.4% QoQ
|
-$180.1M |
$217.5M
+2.3% YoY
|
$757.6M
+4.2% YoY
|
$5.9B
+6.5% YoY
|
Bottom 4% in tier |
| Total Loans ? |
$30.7M
+0.3% YoY
-1.8% QoQ
|
-$108.5M |
$139.2M
+2.8% YoY
|
$510.8M
+1.6% YoY
|
$3.1B
+8.5% YoY
|
Bottom 11% in tier |
| Total Deposits ? |
$20.1M
-32.8% YoY
+6.8% QoQ
|
-$163.6M |
$183.7M
+1.8% YoY
|
$647.1M
+4.0% YoY
|
$4.7B
+6.3% YoY
|
Bottom 3% in tier |
| Return on Assets ? |
-0.41%
-53.8% YoY
-8.2% QoQ
|
-1.50% |
1.08%
+14.7% YoY
|
1.09%
+11.0% YoY
|
1.12%
+15.6% YoY
|
Bottom 4% in tier |
| Net Interest Margin ? |
3.70%
+19.1% YoY
+1.4% QoQ
|
-0.16% |
3.85%
+6.6% YoY
|
4.11%
+6.6% YoY
|
3.75%
+7.1% YoY
|
44% |
| Efficiency Ratio ? |
113.15%
+1.5% YoY
-0.4% QoQ
|
+45.42% |
67.73%
-4.8% YoY
|
68.99%
-3.0% YoY
|
65.09%
-5.1% YoY
|
Bottom 2% in tier |
| Delinquency Rate ? |
0.44%
+89.5% QoQ
|
-0.20% |
0.64%
+24.4% YoY
|
1.20%
-3.6% YoY
|
0.66%
+20.3% YoY
|
48% |
| Loan-to-Deposit Ratio ? |
152.96%
+49.2% YoY
-8.0% QoQ
|
+78.43% |
74.53%
+0.5% YoY
|
76.53%
+1.5% YoY
|
78.04%
+0.7% YoY
|
Bottom 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
10.68%
-70.8% YoY
+17.4% QoQ
|
-11.72% |
22.39%
-1.3% YoY
|
23.36%
-2.3% YoY
|
21.79%
-1.3% YoY
|
Bottom 13% in tier |
| Nonperforming Asset Ratio ? |
0.36%
+304.1% YoY
+80.0% QoQ
|
-0.09% |
0.45%
+25.1% YoY
|
0.96%
+1.0% YoY
|
0.48%
+20.8% YoY
|
46% |
| Tier 1 Capital Ratio ? |
97.62%
+32.3% YoY
+1.3% QoQ
|
+88.77% |
8.85%
-3.4% YoY
|
8.68%
-5.6% YoY
|
9.75%
-1.9% YoY
|
- |
| Non-Interest Income / Assets ? |
0.09%
+21.2% YoY
+26.5% QoQ
|
-0.47% |
0.56%
+0.3% YoY
|
0.55%
-11.7% YoY
|
0.65%
+0.6% YoY
|
Bottom 7% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (4)
Return on Assets
metric
Bottom 4%
in Micro
Why this stands out
Current:
-0.41%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 2%
in Micro
Why this stands out
Current:
113.15%
(Tier avg: 67.73%, National avg: 65.09%)
Loan-to-Deposit Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
152.96%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest Income / Assets
metric
Bottom 7%
in Micro
Why this stands out
Current:
0.09%
(Tier avg: 0.56%, National avg: 0.65%)
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
48
48th pctile
Delinquency Rate
Current: 0.44% · Tier avg: 0.64%
46
46th pctile
Nonperforming Asset Ratio
Current: 0.36% · Tier avg: 0.45%
44
44th pctile
Net Interest Margin
Current: 3.70% · Tier avg: 3.85%
13
13th pctile
Non-Interest-Bearing Deposit Share
Current: 10.68% · Tier avg: 22.39%
11
11th pctile
Total Loans
Current: $30.7M · Tier avg: $139.2M
7
7th pctile
Non-Interest Income / Assets
Current: 0.09% · Tier avg: 0.56%
4
4th pctile
Total Assets
Current: $37.4M · Tier avg: $217.5M
4
4th pctile
Return on Assets
Current: -0.41% · Tier avg: 1.08%
3
3th pctile
Total Deposits
Current: $20.1M · Tier avg: $183.7M
2
2th pctile
Efficiency Ratio
Current: 113.15% · Tier avg: 67.73%
0
0th pctile
Loan-to-Deposit Ratio
Current: 152.96% · Tier avg: 74.53%
Top Weaknesses
0
0th pctile
Loan-to-Deposit Ratio
Current: 152.96% · Tier avg: 74.53%
2
2th pctile
Efficiency Ratio
Current: 113.15% · Tier avg: 67.73%
3
3th pctile
Total Deposits
Current: $20.1M · Tier avg: $183.7M
4
4th pctile
Return on Assets
Current: -0.41% · Tier avg: 1.08%
4
4th pctile
Total Assets
Current: $37.4M · Tier avg: $217.5M
7
7th pctile
Non-Interest Income / Assets
Current: 0.09% · Tier avg: 0.56%
11
11th pctile
Total Loans
Current: $30.7M · Tier avg: $139.2M
13
13th pctile
Non-Interest-Bearing Deposit Share
Current: 10.68% · Tier avg: 22.39%
44
44th pctile
Net Interest Margin
Current: 3.70% · Tier avg: 3.85%
46
46th pctile
Nonperforming Asset Ratio
Current: 0.36% · Tier avg: 0.45%
48
48th pctile
Delinquency Rate
Current: 0.44% · Tier avg: 0.64%