BlastPoint's Banking Scorecard
Mutual Federal Bank
Micro
Specialty: Mortgage
IL
FDIC cert 28302
Designations: ✓ Community bank
Chicago, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
Mutual Federal Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 14.34% above tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 60.18% above tier
- - Non-Interest-Bearing Deposit Share 15.41% below tier
- - Non-Interest Income / Assets 0.49% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$97.3M
+0.2% YoY
+2.9% QoQ
|
-$120.2M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
22% |
| Total Loans ? |
$85.0M
+1.5% YoY
+3.1% QoQ
|
-$54.2M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
36% |
| Total Deposits ? |
$63.1M
-0.4% YoY
+0.9% QoQ
|
-$120.5M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
Bottom 15% in tier |
| Return on Assets ? |
0.63%
+365.3% YoY
-1.3% QoQ
|
-0.46% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
24% |
| Net Interest Margin ? |
3.73%
+8.8% YoY
-1.1% QoQ
|
-0.12% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
46% |
| Efficiency Ratio ? |
82.62%
-23.2% YoY
-0.1% QoQ
|
+14.90% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
16% |
| Delinquency Rate ? |
1.41%
-43.3% YoY
-22.3% QoQ
|
+0.77% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
20% |
| Loan-to-Deposit Ratio ? |
134.71%
+1.9% YoY
+2.1% QoQ
|
+60.18% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
Bottom 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
6.98%
-9.3% YoY
-3.2% QoQ
|
-15.41% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
Bottom 7% in tier |
| Nonperforming Asset Ratio ? |
1.23%
-42.6% YoY
-22.2% QoQ
|
+0.78% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
Bottom 15% in tier |
| Tier 1 Capital Ratio ? |
23.19%
+0.1% YoY
-2.6% QoQ
|
+14.34% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
Top 9% in tier |
| Non-Interest Income / Assets ? |
0.07%
+164.4% YoY
+6.1% QoQ
|
-0.49% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
Bottom 5% in tier |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 9%
in Micro
Why this stands out
Current:
23.19%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (3)
Loan-to-Deposit Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
134.71%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Bottom 7%
in Micro
Why this stands out
Current:
6.98%
(Tier avg: 22.39%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Bottom 5%
in Micro
Why this stands out
Current:
0.07%
(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
91
91th pctile
Tier 1 Capital Ratio
Current: 23.19% · Tier avg: 8.85%
46
46th pctile
Net Interest Margin
Current: 3.73% · Tier avg: 3.85%
36
36th pctile
Total Loans
Current: $85.0M · Tier avg: $139.2M
24
24th pctile
Return on Assets
Current: 0.63% · Tier avg: 1.08%
22
22th pctile
Total Assets
Current: $97.3M · Tier avg: $217.5M
20
20th pctile
Delinquency Rate
Current: 1.41% · Tier avg: 0.64%
16
16th pctile
Efficiency Ratio
Current: 82.62% · Tier avg: 67.73%
15
15th pctile
Nonperforming Asset Ratio
Current: 1.23% · Tier avg: 0.45%
15
15th pctile
Total Deposits
Current: $63.1M · Tier avg: $183.7M
7
7th pctile
Non-Interest-Bearing Deposit Share
Current: 6.98% · Tier avg: 22.39%
5
5th pctile
Non-Interest Income / Assets
Current: 0.07% · Tier avg: 0.56%
0
0th pctile
Loan-to-Deposit Ratio
Current: 134.71% · Tier avg: 74.53%
Top Weaknesses
0
0th pctile
Loan-to-Deposit Ratio
Current: 134.71% · Tier avg: 74.53%
5
5th pctile
Non-Interest Income / Assets
Current: 0.07% · Tier avg: 0.56%
7
7th pctile
Non-Interest-Bearing Deposit Share
Current: 6.98% · Tier avg: 22.39%
15
15th pctile
Total Deposits
Current: $63.1M · Tier avg: $183.7M
15
15th pctile
Nonperforming Asset Ratio
Current: 1.23% · Tier avg: 0.45%
16
16th pctile
Efficiency Ratio
Current: 82.62% · Tier avg: 67.73%
20
20th pctile
Delinquency Rate
Current: 1.41% · Tier avg: 0.64%
22
22th pctile
Total Assets
Current: $97.3M · Tier avg: $217.5M
24
24th pctile
Return on Assets
Current: 0.63% · Tier avg: 1.08%
36
36th pctile
Total Loans
Current: $85.0M · Tier avg: $139.2M
46
46th pctile
Net Interest Margin
Current: 3.73% · Tier avg: 3.85%
91
91th pctile
Tier 1 Capital Ratio
Current: 23.19% · Tier avg: 8.85%