BlastPoint's Banking Scorecard
Central Federal Savings and Loan Association
Micro
Specialty: Mortgage
IL
FDIC cert 28425
Designations: ✓ Community bank ✓ Mutual
Cicero, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
Central 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
- - Return on Assets 1.11% below tier
- - Net Interest Margin 1.23% below tier
- - Efficiency Ratio 34.44% above tier
- - Non-Interest Income / Assets 0.50% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$193.8M
-0.6% YoY
+0.6% QoQ
|
-$23.7M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
50% |
| Total Loans ? |
$137.9M
+7.9% YoY
+0.6% QoQ
|
-$1.3M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
56% |
| Total Deposits ? |
$170.2M
+2.2% YoY
+0.9% QoQ
|
-$13.5M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
51% |
| Return on Assets ? |
-0.03%
+42.7% YoY
+53.6% QoQ
|
-1.11% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 6% in tier |
| Net Interest Margin ? |
2.62%
+6.6% YoY
+2.2% QoQ
|
-1.23% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
Bottom 7% in tier |
| Efficiency Ratio ? |
102.16%
-2.2% YoY
-1.8% QoQ
|
+34.44% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 5% in tier |
| Delinquency Rate ? |
0.68%
-14.2% YoY
-11.1% QoQ
|
+0.04% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
38% |
| Loan-to-Deposit Ratio ? |
81.04%
+5.6% YoY
-0.2% QoQ
|
+6.51% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
40% |
| Non-Interest-Bearing Deposit Share ? |
9.19%
-4.9% YoY
-1.5% QoQ
|
-13.21% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
Bottom 10% in tier |
| Nonperforming Asset Ratio ? |
0.49%
-6.8% YoY
-11.1% QoQ
|
+0.03% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
38% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.06%
+18.4% YoY
+29.6% QoQ
|
-0.50% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
Bottom 4% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (4)
Return on Assets
metric
Bottom 6%
in Micro
Why this stands out
Current:
-0.03%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 7%
in Micro
Why this stands out
Current:
2.62%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 5%
in Micro
Why this stands out
Current:
102.16%
(Tier avg: 67.73%, National avg: 65.09%)
Non-Interest Income / Assets
metric
Bottom 4%
in Micro
Why this stands out
Current:
0.06%
(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
56
56th pctile
Total Loans
Current: $137.9M · Tier avg: $139.2M
51
51th pctile
Total Deposits
Current: $170.2M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
50
50th pctile
Total Assets
Current: $193.8M · Tier avg: $217.5M
40
40th pctile
Loan-to-Deposit Ratio
Current: 81.04% · Tier avg: 74.53%
38
38th pctile
Delinquency Rate
Current: 0.68% · Tier avg: 0.64%
38
38th pctile
Nonperforming Asset Ratio
Current: 0.49% · Tier avg: 0.45%
10
10th pctile
Non-Interest-Bearing Deposit Share
Current: 9.19% · Tier avg: 22.39%
7
7th pctile
Net Interest Margin
Current: 2.62% · Tier avg: 3.85%
6
6th pctile
Return on Assets
Current: -0.03% · Tier avg: 1.08%
5
5th pctile
Efficiency Ratio
Current: 102.16% · Tier avg: 67.73%
4
4th pctile
Non-Interest Income / Assets
Current: 0.06% · Tier avg: 0.56%
Top Weaknesses
4
4th pctile
Non-Interest Income / Assets
Current: 0.06% · Tier avg: 0.56%
5
5th pctile
Efficiency Ratio
Current: 102.16% · Tier avg: 67.73%
6
6th pctile
Return on Assets
Current: -0.03% · Tier avg: 1.08%
7
7th pctile
Net Interest Margin
Current: 2.62% · Tier avg: 3.85%
10
10th pctile
Non-Interest-Bearing Deposit Share
Current: 9.19% · Tier avg: 22.39%
38
38th pctile
Nonperforming Asset Ratio
Current: 0.49% · Tier avg: 0.45%
38
38th pctile
Delinquency Rate
Current: 0.68% · Tier avg: 0.64%
40
40th pctile
Loan-to-Deposit Ratio
Current: 81.04% · Tier avg: 74.53%
50
50th pctile
Total Assets
Current: $193.8M · Tier avg: $217.5M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
51
51th pctile
Total Deposits
Current: $170.2M · Tier avg: $183.7M
56
56th pctile
Total Loans
Current: $137.9M · Tier avg: $139.2M