BlastPoint's Banking Scorecard
Columbia Savings and Loan Association
Micro
Specialty: Commercial
WI
FDIC cert 28480
Designations: ✓ Community bank ✓ Mutual
Milwaukee, WI
2498
banks in Micro tier nationally
88 in WI
View Micro leaderboard (WI) →
Columbia Savings and Loan Association faces 5 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 2.42% below tier
- - Efficiency Ratio 62.47% above tier
- - Delinquency Rate 18.60% above tier
- - Non-Interest-Bearing Deposit Share 19.91% below tier
- - Nonperforming Asset Ratio 15.35% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$22.0M
-8.7% YoY
-5.7% QoQ
|
-$195.5M |
$217.5M
+2.3% YoY
|
$1.1B
+5.1% YoY
|
$5.9B
+6.5% YoY
|
Bottom 1% in tier |
| Total Loans ? |
$18.1M
-6.9% YoY
-3.0% QoQ
|
-$121.1M |
$139.2M
+2.8% YoY
|
$768.8M
+4.7% YoY
|
$3.1B
+8.5% YoY
|
Bottom 6% in tier |
| Total Deposits ? |
$19.5M
-10.6% YoY
-8.1% QoQ
|
-$164.2M |
$183.7M
+1.8% YoY
|
$858.9M
+4.5% YoY
|
$4.7B
+6.3% YoY
|
Bottom 2% in tier |
| Return on Assets ? |
-1.34%
-10.2% QoQ
|
-2.42% |
1.08%
+14.7% YoY
|
1.12%
+22.4% YoY
|
1.12%
+15.6% YoY
|
Bottom 2% in tier |
| Net Interest Margin ? |
4.92%
-0.3% YoY
-1.3% QoQ
|
+1.06% |
3.85%
+6.6% YoY
|
3.60%
+10.9% YoY
|
3.75%
+7.1% YoY
|
Top 11% in tier |
| Efficiency Ratio ? |
130.19%
+22.8% YoY
+2.8% QoQ
|
+62.47% |
67.73%
-4.8% YoY
|
64.76%
-6.6% YoY
|
65.09%
-5.1% YoY
|
Bottom 1% in tier |
| Delinquency Rate ? |
19.24%
+47.6% YoY
+121.5% QoQ
|
+18.60% |
0.64%
+24.4% YoY
|
0.52%
+44.6% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
92.83%
+4.1% YoY
+5.5% QoQ
|
+18.30% |
74.53%
+0.5% YoY
|
85.80%
+1.3% YoY
|
78.04%
+0.7% YoY
|
18% |
| Non-Interest-Bearing Deposit Share ? |
2.48%
+11.2% YoY
+43.9% QoQ
|
-19.91% |
22.39%
-1.3% YoY
|
18.83%
-1.2% YoY
|
21.79%
-1.3% YoY
|
Bottom 3% in tier |
| Nonperforming Asset Ratio ? |
15.81%
+50.5% YoY
+127.8% QoQ
|
+15.35% |
0.45%
+25.1% YoY
|
0.37%
+20.8% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
10.45%
-10.7% YoY
-4.5% QoQ
|
+1.59% |
8.85%
-3.4% YoY
|
8.70%
-2.9% YoY
|
9.75%
-1.9% YoY
|
53% |
| Non-Interest Income / Assets ? |
0.12%
+23.2% YoY
+6.0% QoQ
|
-0.44% |
0.56%
+0.3% YoY
|
0.58%
+3.9% YoY
|
0.65%
+0.6% YoY
|
Bottom 11% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (5)
Return on Assets
metric
Bottom 2%
in Micro
Why this stands out
Current:
-1.34%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
130.19%
(Tier avg: 67.73%, National avg: 65.09%)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
19.24%
(Tier avg: 0.64%, National avg: 0.66%)
Non-Interest-Bearing Deposit Share
metric
Bottom 3%
in Micro
Why this stands out
Current:
2.48%
(Tier avg: 22.39%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
15.81%
(Tier avg: 0.45%, National avg: 0.48%)
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
89
89th pctile
Net Interest Margin
Current: 4.92% · Tier avg: 3.85%
53
53th pctile
Tier 1 Capital Ratio
Current: 10.45% · Tier avg: 8.85%
18
18th pctile
Loan-to-Deposit Ratio
Current: 92.83% · Tier avg: 74.53%
11
11th pctile
Non-Interest Income / Assets
Current: 0.12% · Tier avg: 0.56%
6
6th pctile
Total Loans
Current: $18.1M · Tier avg: $139.2M
3
3th pctile
Non-Interest-Bearing Deposit Share
Current: 2.48% · Tier avg: 22.39%
2
2th pctile
Total Deposits
Current: $19.5M · Tier avg: $183.7M
2
2th pctile
Return on Assets
Current: -1.34% · Tier avg: 1.08%
1
1th pctile
Total Assets
Current: $22.0M · Tier avg: $217.5M
1
1th pctile
Efficiency Ratio
Current: 130.19% · Tier avg: 67.73%
0
0th pctile
Delinquency Rate
Current: 19.24% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 15.81% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 15.81% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 19.24% · Tier avg: 0.64%
1
1th pctile
Efficiency Ratio
Current: 130.19% · Tier avg: 67.73%
1
1th pctile
Total Assets
Current: $22.0M · Tier avg: $217.5M
2
2th pctile
Return on Assets
Current: -1.34% · Tier avg: 1.08%
2
2th pctile
Total Deposits
Current: $19.5M · Tier avg: $183.7M
3
3th pctile
Non-Interest-Bearing Deposit Share
Current: 2.48% · Tier avg: 22.39%
6
6th pctile
Total Loans
Current: $18.1M · Tier avg: $139.2M
11
11th pctile
Non-Interest Income / Assets
Current: 0.12% · Tier avg: 0.56%
18
18th pctile
Loan-to-Deposit Ratio
Current: 92.83% · Tier avg: 74.53%
53
53th pctile
Tier 1 Capital Ratio
Current: 10.45% · Tier avg: 8.85%
89
89th pctile
Net Interest Margin
Current: 4.92% · Tier avg: 3.85%