BlastPoint's Banking Scorecard
First Federal Savings Bank of Champaign Urbana
Micro
Specialty: Other
IL
FDIC cert 28445
Designations: ✓ Community bank
Champaign, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
First Federal Savings Bank of Champaign Urbana demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.87% above tier
- + Non-Interest Income / Assets 1.07% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$198.3M
+3.9% YoY
+6.4% QoQ
|
-$19.2M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
51% |
| Total Loans ? |
$110.0M
+2.9% YoY
-0.8% QoQ
|
-$29.2M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
47% |
| Total Deposits ? |
$170.8M
+3.3% YoY
+7.3% QoQ
|
-$12.8M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
51% |
| Return on Assets ? |
1.79%
-8.9% YoY
-2.4% QoQ
|
+0.71% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
85% |
| Net Interest Margin ? |
5.73%
+0.3% YoY
-1.0% QoQ
|
+1.87% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
Top 3% in tier |
| Efficiency Ratio ? |
65.40%
+6.0% YoY
+0.4% QoQ
|
-2.33% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
52% |
| Delinquency Rate ? |
0.13%
+50.1% YoY
+21.4% QoQ
|
-0.51% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
68% |
| Loan-to-Deposit Ratio ? |
64.39%
-0.4% YoY
-7.6% QoQ
|
-10.14% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
70% |
| Non-Interest-Bearing Deposit Share ? |
32.19%
+7.0% YoY
+3.6% QoQ
|
+9.79% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
84% |
| Nonperforming Asset Ratio ? |
0.07%
+3.5% YoY
+13.1% QoQ
|
-0.38% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
71% |
| 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 ? |
1.63%
+0.4% YoY
+20.0% QoQ
|
+1.07% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
Top 4% in tier |
Signature Analysis
Strengths (2)
Net Interest Margin
metric
Top 3%
in Micro
Why this stands out
Current:
5.73%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest Income / Assets
metric
Top 4%
in Micro
Why this stands out
Current:
1.63%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (0)
No concerns identified
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
97
97th pctile
Net Interest Margin
Current: 5.73% · Tier avg: 3.85%
96
96th pctile
Non-Interest Income / Assets
Current: 1.63% · Tier avg: 0.56%
85
85th pctile
Return on Assets
Current: 1.79% · Tier avg: 1.08%
84
84th pctile
Non-Interest-Bearing Deposit Share
Current: 32.19% · Tier avg: 22.39%
71
71th pctile
Nonperforming Asset Ratio
Current: 0.07% · Tier avg: 0.45%
70
70th pctile
Loan-to-Deposit Ratio
Current: 64.39% · Tier avg: 74.53%
68
68th pctile
Delinquency Rate
Current: 0.13% · Tier avg: 0.64%
52
52th pctile
Efficiency Ratio
Current: 65.40% · Tier avg: 67.73%
51
51th pctile
Total Deposits
Current: $170.8M · Tier avg: $183.7M
51
51th pctile
Total Assets
Current: $198.3M · Tier avg: $217.5M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
47
47th pctile
Total Loans
Current: $110.0M · Tier avg: $139.2M
Top Weaknesses
47
47th pctile
Total Loans
Current: $110.0M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
51
51th pctile
Total Assets
Current: $198.3M · Tier avg: $217.5M
51
51th pctile
Total Deposits
Current: $170.8M · Tier avg: $183.7M
52
52th pctile
Efficiency Ratio
Current: 65.40% · Tier avg: 67.73%
68
68th pctile
Delinquency Rate
Current: 0.13% · Tier avg: 0.64%
70
70th pctile
Loan-to-Deposit Ratio
Current: 64.39% · Tier avg: 74.53%
71
71th pctile
Nonperforming Asset Ratio
Current: 0.07% · Tier avg: 0.45%
84
84th pctile
Non-Interest-Bearing Deposit Share
Current: 32.19% · Tier avg: 22.39%
85
85th pctile
Return on Assets
Current: 1.79% · Tier avg: 1.08%
96
96th pctile
Non-Interest Income / Assets
Current: 1.63% · Tier avg: 0.56%
97
97th pctile
Net Interest Margin
Current: 5.73% · Tier avg: 3.85%