BlastPoint's Banking Scorecard
Yakima Federal Savings and Loan Association
Community
Specialty: Mortgage
WA
FDIC cert 28116
Designations: ✓ Mutual
Yakima, WA
1484
banks in Community tier nationally
15 in WA
View Community leaderboard (WA) →
Yakima Federal 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
- - Capital Thin: Bottom 10% in Community
- - Flatlined Growth: Bottom 13% in Community
- - Net Interest Margin 1.59% below tier
- - Non-Interest-Bearing Deposit Share 16.35% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.0B
-1.2% YoY
-0.7% QoQ
|
+$616.1M |
$1.4B
+2.0% YoY
|
$3.0B
+0.9% YoY
|
$5.9B
+6.5% YoY
|
79% |
| Total Loans ? |
$905.5M
+10.1% YoY
+1.8% QoQ
|
-$70.0M |
$975.5M
+2.4% YoY
|
$2.1B
+0.7% YoY
|
$3.1B
+8.5% YoY
|
64% |
| Total Deposits ? |
$1.4B
-3.1% YoY
-1.4% QoQ
|
+$224.7M |
$1.2B
+1.7% YoY
|
$2.5B
+2.4% YoY
|
$4.7B
+6.3% YoY
|
74% |
| Return on Assets ? |
0.82%
+39.9% YoY
+6.4% QoQ
|
-0.34% |
1.16%
+17.2% YoY
|
0.73%
+12.9% YoY
|
1.12%
+15.6% YoY
|
26% |
| Net Interest Margin ? |
2.08%
+19.7% YoY
+1.9% QoQ
|
-1.59% |
3.66%
+9.1% YoY
|
3.82%
+5.9% YoY
|
3.75%
+7.1% YoY
|
Bottom 2% in tier |
| Efficiency Ratio ? |
54.99%
-13.0% YoY
-5.2% QoQ
|
-7.64% |
62.63%
-5.3% YoY
|
71.57%
-0.7% YoY
|
65.09%
-5.1% YoY
|
73% |
| Delinquency Rate ? |
0.27%
-8.6% YoY
+2.7% QoQ
|
-0.36% |
0.63%
+18.3% YoY
|
0.58%
+11.6% YoY
|
0.66%
+20.3% YoY
|
64% |
| Loan-to-Deposit Ratio ? |
65.17%
+13.7% YoY
+3.2% QoQ
|
-17.89% |
83.06%
+0.3% YoY
|
86.62%
+0.7% YoY
|
78.04%
+0.7% YoY
|
Top 14% in tier |
| Non-Interest-Bearing Deposit Share ? |
4.70%
+16.8% YoY
+6.8% QoQ
|
-16.35% |
21.05%
-0.9% YoY
|
25.62%
-3.7% YoY
|
21.79%
-1.3% YoY
|
Bottom 4% in tier |
| Nonperforming Asset Ratio ? |
0.12%
+1.8% YoY
+5.2% QoQ
|
-0.38% |
0.50%
+20.3% YoY
|
0.45%
+3.2% YoY
|
0.48%
+20.8% YoY
|
74% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
9.41%
-4.6% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.32%
+13.6% YoY
+20.2% QoQ
|
-0.42% |
0.74%
-1.3% YoY
|
0.77%
+3.5% YoY
|
0.65%
+0.6% YoY
|
25% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (4)
Capital Thin
risk
#44 of 432 · Bottom 10% 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 declining
Flatlined Growth
risk
#33 of 245 · Bottom 13% in Community
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
0.82%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
Net Interest Margin
metric
Bottom 2%
in Community
Why this stands out
Current:
2.08%
(Tier avg: 3.66%, National avg: 3.75%)
Non-Interest-Bearing Deposit Share
metric
Bottom 4%
in Community
Why this stands out
Current:
4.70%
(Tier avg: 21.05%, 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
86
86th pctile
Loan-to-Deposit Ratio
Current: 65.17% · Tier avg: 83.06%
79
79th pctile
Total Assets
Current: $2.0B · Tier avg: $1.4B
74
74th pctile
Nonperforming Asset Ratio
Current: 0.12% · Tier avg: 0.50%
74
74th pctile
Total Deposits
Current: $1.4B · Tier avg: $1.2B
73
73th pctile
Efficiency Ratio
Current: 54.99% · Tier avg: 62.63%
64
64th pctile
Delinquency Rate
Current: 0.27% · Tier avg: 0.63%
64
64th pctile
Total Loans
Current: $905.5M · Tier avg: $975.5M
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
26
26th pctile
Return on Assets
Current: 0.82% · Tier avg: 1.16%
25
25th pctile
Non-Interest Income / Assets
Current: 0.32% · Tier avg: 0.74%
4
4th pctile
Non-Interest-Bearing Deposit Share
Current: 4.70% · Tier avg: 21.05%
2
2th pctile
Net Interest Margin
Current: 2.08% · Tier avg: 3.66%
Top Weaknesses
2
2th pctile
Net Interest Margin
Current: 2.08% · Tier avg: 3.66%
4
4th pctile
Non-Interest-Bearing Deposit Share
Current: 4.70% · Tier avg: 21.05%
25
25th pctile
Non-Interest Income / Assets
Current: 0.32% · Tier avg: 0.74%
26
26th pctile
Return on Assets
Current: 0.82% · Tier avg: 1.16%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
64
64th pctile
Total Loans
Current: $905.5M · Tier avg: $975.5M
64
64th pctile
Delinquency Rate
Current: 0.27% · Tier avg: 0.63%
73
73th pctile
Efficiency Ratio
Current: 54.99% · Tier avg: 62.63%
74
74th pctile
Total Deposits
Current: $1.4B · Tier avg: $1.2B
74
74th pctile
Nonperforming Asset Ratio
Current: 0.12% · Tier avg: 0.50%
79
79th pctile
Total Assets
Current: $2.0B · Tier avg: $1.4B
86
86th pctile
Loan-to-Deposit Ratio
Current: 65.17% · Tier avg: 83.06%