BlastPoint's Banking Scorecard
Olympia Federal Savings and Loan Association
Community
Specialty: Mortgage
WA
FDIC cert 28599
Designations: ✓ Mutual
Olympia, WA
1484
banks in Community tier nationally
15 in WA
View Community leaderboard (WA) →
Olympia Federal Savings and Loan Association has 1 strength but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 34.56% above tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 4% in Community
- - Credit Quality Pressure: Bottom 17% in Community
- - Capital Thin: Bottom 36% in Community
- - Efficiency Drag: Bottom 65% in Community
- - Return on Assets 0.91% below tier
- - Net Interest Margin 1.20% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.0B
+3.4% YoY
+0.4% QoQ
|
-$365.4M |
$1.4B
+2.0% YoY
|
$3.0B
+0.9% YoY
|
$5.9B
+6.5% YoY
|
51% |
| Total Loans ? |
$862.0M
+2.9% YoY
+0.6% QoQ
|
-$113.5M |
$975.5M
+2.4% YoY
|
$2.1B
+0.7% YoY
|
$3.1B
+8.5% YoY
|
62% |
| Total Deposits ? |
$732.9M
+6.3% YoY
+2.3% QoQ
|
-$431.8M |
$1.2B
+1.7% YoY
|
$2.5B
+2.4% YoY
|
$4.7B
+6.3% YoY
|
41% |
| Return on Assets ? |
0.25%
+117.4% YoY
-5.5% QoQ
|
-0.91% |
1.16%
+17.2% YoY
|
0.73%
+12.9% YoY
|
1.12%
+15.6% YoY
|
Bottom 5% in tier |
| Net Interest Margin ? |
2.46%
+15.7% YoY
+1.5% QoQ
|
-1.20% |
3.66%
+9.1% YoY
|
3.82%
+5.9% YoY
|
3.75%
+7.1% YoY
|
Bottom 5% in tier |
| Efficiency Ratio ? |
87.86%
-5.6% YoY
+1.1% QoQ
|
+25.23% |
62.63%
-5.3% YoY
|
71.57%
-0.7% YoY
|
65.09%
-5.1% YoY
|
Bottom 4% in tier |
| Delinquency Rate ? |
0.31%
+3.4% YoY
+20.1% QoQ
|
-0.31% |
0.63%
+18.3% YoY
|
0.58%
+11.6% YoY
|
0.66%
+20.3% YoY
|
60% |
| Loan-to-Deposit Ratio ? |
117.62%
-3.1% YoY
-1.6% QoQ
|
+34.56% |
83.06%
+0.3% YoY
|
86.62%
+0.7% YoY
|
78.04%
+0.7% YoY
|
Top 2% in tier |
| Non-Interest-Bearing Deposit Share ? |
10.60%
+22.9% YoY
+1.5% QoQ
|
-10.44% |
21.05%
-0.9% YoY
|
25.62%
-3.7% YoY
|
21.79%
-1.3% YoY
|
Bottom 11% in tier |
| Nonperforming Asset Ratio ? |
0.26%
+2.9% YoY
+20.3% QoQ
|
-0.23% |
0.50%
+20.3% YoY
|
0.45%
+3.2% YoY
|
0.48%
+20.8% YoY
|
58% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
9.41%
-4.6% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.22%
+2.3% YoY
+30.6% QoQ
|
-0.52% |
0.74%
-1.3% YoY
|
0.77%
+3.5% YoY
|
0.65%
+0.6% YoY
|
Bottom 14% in tier |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 2%
in Community
Why this stands out
Current:
117.62%
(Tier avg: 83.06%, National avg: 78.04%)
Concerns (6)
Credit Risk Growth
risk
#28 of 642 · Bottom 4% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
Credit Quality Pressure
risk
#137 of 808 · Bottom 17% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.31%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
Capital Thin
risk
#156 of 432 · Bottom 36% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
Efficiency Drag
risk
#99 of 152 · Bottom 65% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
87.86%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
Return on Assets
metric
Bottom 5%
in Community
Why this stands out
Current:
0.25%
(Tier avg: 1.16%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 5%
in Community
Why this stands out
Current:
2.46%
(Tier avg: 3.66%, National avg: 3.75%)
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
98
98th pctile
Loan-to-Deposit Ratio
Current: 117.62% · Tier avg: 83.06%
62
62th pctile
Total Loans
Current: $862.0M · Tier avg: $975.5M
60
60th pctile
Delinquency Rate
Current: 0.31% · Tier avg: 0.63%
58
58th pctile
Nonperforming Asset Ratio
Current: 0.26% · Tier avg: 0.50%
51
51th pctile
Total Assets
Current: $1.0B · Tier avg: $1.4B
41
41th pctile
Total Deposits
Current: $732.9M · Tier avg: $1.2B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
14
14th pctile
Non-Interest Income / Assets
Current: 0.22% · Tier avg: 0.74%
11
11th pctile
Non-Interest-Bearing Deposit Share
Current: 10.60% · Tier avg: 21.05%
5
5th pctile
Return on Assets
Current: 0.25% · Tier avg: 1.16%
5
5th pctile
Net Interest Margin
Current: 2.46% · Tier avg: 3.66%
4
4th pctile
Efficiency Ratio
Current: 87.86% · Tier avg: 62.63%
Top Weaknesses
4
4th pctile
Efficiency Ratio
Current: 87.86% · Tier avg: 62.63%
5
5th pctile
Net Interest Margin
Current: 2.46% · Tier avg: 3.66%
5
5th pctile
Return on Assets
Current: 0.25% · Tier avg: 1.16%
11
11th pctile
Non-Interest-Bearing Deposit Share
Current: 10.60% · Tier avg: 21.05%
14
14th pctile
Non-Interest Income / Assets
Current: 0.22% · Tier avg: 0.74%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
41
41th pctile
Total Deposits
Current: $732.9M · Tier avg: $1.2B
51
51th pctile
Total Assets
Current: $1.0B · Tier avg: $1.4B
58
58th pctile
Nonperforming Asset Ratio
Current: 0.26% · Tier avg: 0.50%
60
60th pctile
Delinquency Rate
Current: 0.31% · Tier avg: 0.63%
62
62th pctile
Total Loans
Current: $862.0M · Tier avg: $975.5M
98
98th pctile
Loan-to-Deposit Ratio
Current: 117.62% · Tier avg: 83.06%