BlastPoint's Banking Scorecard
Haddon Savings Bank
Micro
Specialty: Commercial
NJ
FDIC cert 28222
Designations: ✓ Community bank ✓ Mutual
Haddon Heights, NJ
2498
banks in Micro tier nationally
14 in NJ
View Micro leaderboard (NJ) →
Haddon Savings Bank 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 1.26% below tier
- - Net Interest Margin 2.29% below tier
- - Efficiency Ratio 43.31% above tier
- - Non-Interest-Bearing Deposit Share 22.27% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$406.6M
+2.0% YoY
+2.4% QoQ
|
+$189.1M |
$217.5M
+2.3% YoY
|
$4.2B
+3.8% YoY
|
$5.9B
+6.5% YoY
|
Top 11% in tier |
| Total Loans ? |
$252.1M
+11.1% YoY
+5.2% QoQ
|
+$112.9M |
$139.2M
+2.8% YoY
|
$3.1B
+3.2% YoY
|
$3.1B
+8.5% YoY
|
85% |
| Total Deposits ? |
$350.3M
+10.3% YoY
+2.6% QoQ
|
+$166.7M |
$183.7M
+1.8% YoY
|
$3.3B
+4.8% YoY
|
$4.7B
+6.3% YoY
|
Top 10% in tier |
| Return on Assets ? |
-0.17%
+59.7% YoY
+14.5% QoQ
|
-1.26% |
1.08%
+14.7% YoY
|
0.71%
+43.1% YoY
|
1.12%
+15.6% YoY
|
Bottom 5% in tier |
| Net Interest Margin ? |
1.57%
+26.1% YoY
+0.7% QoQ
|
-2.29% |
3.85%
+6.6% YoY
|
3.05%
+6.0% YoY
|
3.75%
+7.1% YoY
|
Bottom 1% in tier |
| Efficiency Ratio ? |
111.03%
-20.1% YoY
-2.8% QoQ
|
+43.31% |
67.73%
-4.8% YoY
|
72.64%
-5.0% YoY
|
65.09%
-5.1% YoY
|
Bottom 2% in tier |
| Delinquency Rate ? |
0.18%
-64.8% YoY
-9.1% QoQ
|
-0.46% |
0.64%
+24.4% YoY
|
0.45%
-7.9% YoY
|
0.66%
+20.3% YoY
|
63% |
| Loan-to-Deposit Ratio ? |
71.96%
+0.7% YoY
+2.5% QoQ
|
-2.57% |
74.53%
+0.5% YoY
|
88.06%
-0.7% YoY
|
78.04%
+0.7% YoY
|
58% |
| Non-Interest-Bearing Deposit Share ? |
0.12%
+3.3% YoY
+22.1% QoQ
|
-22.27% |
22.39%
-1.3% YoY
|
14.99%
+4.4% YoY
|
21.79%
-1.3% YoY
|
Bottom 2% in tier |
| Nonperforming Asset Ratio ? |
0.11%
-61.7% YoY
-6.5% QoQ
|
-0.34% |
0.45%
+25.1% YoY
|
0.33%
-21.6% YoY
|
0.48%
+20.8% YoY
|
66% |
| Tier 1 Capital Ratio ? |
13.68%
-9.4% YoY
-4.1% QoQ
|
+4.82% |
8.85%
-3.4% YoY
|
12.24%
-1.3% YoY
|
9.75%
-1.9% YoY
|
67% |
| Non-Interest Income / Assets ? |
0.15%
+31.7% YoY
+13.9% QoQ
|
-0.41% |
0.56%
+0.3% YoY
|
0.52%
-18.3% YoY
|
0.65%
+0.6% YoY
|
Bottom 15% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (4)
Return on Assets
metric
Bottom 5%
in Micro
Why this stands out
Current:
-0.17%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 1%
in Micro
Why this stands out
Current:
1.57%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 2%
in Micro
Why this stands out
Current:
111.03%
(Tier avg: 67.73%, National avg: 65.09%)
Non-Interest-Bearing Deposit Share
metric
Bottom 2%
in Micro
Why this stands out
Current:
0.12%
(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
90
90th pctile
Total Deposits
Current: $350.3M · Tier avg: $183.7M
89
89th pctile
Total Assets
Current: $406.6M · Tier avg: $217.5M
85
85th pctile
Total Loans
Current: $252.1M · Tier avg: $139.2M
67
67th pctile
Tier 1 Capital Ratio
Current: 13.68% · Tier avg: 8.85%
66
66th pctile
Nonperforming Asset Ratio
Current: 0.11% · Tier avg: 0.45%
63
63th pctile
Delinquency Rate
Current: 0.18% · Tier avg: 0.64%
58
58th pctile
Loan-to-Deposit Ratio
Current: 71.96% · Tier avg: 74.53%
15
15th pctile
Non-Interest Income / Assets
Current: 0.15% · Tier avg: 0.56%
5
5th pctile
Return on Assets
Current: -0.17% · Tier avg: 1.08%
2
2th pctile
Efficiency Ratio
Current: 111.03% · Tier avg: 67.73%
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 0.12% · Tier avg: 22.39%
1
1th pctile
Net Interest Margin
Current: 1.57% · Tier avg: 3.85%
Top Weaknesses
1
1th pctile
Net Interest Margin
Current: 1.57% · Tier avg: 3.85%
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 0.12% · Tier avg: 22.39%
2
2th pctile
Efficiency Ratio
Current: 111.03% · Tier avg: 67.73%
5
5th pctile
Return on Assets
Current: -0.17% · Tier avg: 1.08%
15
15th pctile
Non-Interest Income / Assets
Current: 0.15% · Tier avg: 0.56%
58
58th pctile
Loan-to-Deposit Ratio
Current: 71.96% · Tier avg: 74.53%
63
63th pctile
Delinquency Rate
Current: 0.18% · Tier avg: 0.64%
66
66th pctile
Nonperforming Asset Ratio
Current: 0.11% · Tier avg: 0.45%
67
67th pctile
Tier 1 Capital Ratio
Current: 13.68% · Tier avg: 8.85%
85
85th pctile
Total Loans
Current: $252.1M · Tier avg: $139.2M
89
89th pctile
Total Assets
Current: $406.6M · Tier avg: $217.5M
90
90th pctile
Total Deposits
Current: $350.3M · Tier avg: $183.7M