BlastPoint's Banking Scorecard
Iron Workers Savings Bank
Micro
Specialty: Mortgage
PA
FDIC cert 28908
Designations: ✓ Community bank ✓ Mutual
Aston, PA
2498
banks in Micro tier nationally
44 in PA
View Micro leaderboard (PA) →
Iron Workers Savings Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Return on Assets 1.00% below tier
- - Net Interest Margin 1.49% below tier
- - Efficiency Ratio 28.20% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$211.7M
-0.7% YoY
+2.4% QoQ
|
-$5.8M |
$217.5M
+2.3% YoY
|
$3.0B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
54% |
| Total Loans ? |
$165.2M
+4.6% YoY
+2.5% QoQ
|
+$26.0M |
$139.2M
+2.8% YoY
|
$2.2B
+7.9% YoY
|
$3.1B
+8.5% YoY
|
65% |
| Total Deposits ? |
$183.4M
+1.9% YoY
+2.9% QoQ
|
-$300K |
$183.7M
+1.8% YoY
|
$2.5B
+6.7% YoY
|
$4.7B
+6.3% YoY
|
55% |
| Return on Assets ? |
0.08%
+251.9% YoY
|
-1.00% |
1.08%
+14.7% YoY
|
0.80%
+34.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 8% in tier |
| Net Interest Margin ? |
2.36%
+11.0% YoY
+3.5% QoQ
|
-1.49% |
3.85%
+6.6% YoY
|
3.23%
+9.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 4% in tier |
| Efficiency Ratio ? |
95.93%
-8.3% YoY
-4.8% QoQ
|
+28.20% |
67.73%
-4.8% YoY
|
70.08%
-6.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 6% in tier |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.65%
+5.6% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
90.11%
+2.6% YoY
-0.4% QoQ
|
+15.58% |
74.53%
+0.5% YoY
|
84.39%
-0.1% YoY
|
78.04%
+0.7% YoY
|
23% |
| Non-Interest-Bearing Deposit Share ? |
14.07%
-3.5% YoY
-2.6% QoQ
|
-8.33% |
22.39%
-1.3% YoY
|
17.53%
+0.3% YoY
|
21.79%
-1.3% YoY
|
20% |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.48%
+10.7% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
0.00%
-100.0% YoY
|
-8.85% |
8.85%
-3.4% YoY
|
11.49%
+7.4% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.12%
+3.5% YoY
+28.9% QoQ
|
-0.44% |
0.56%
+0.3% YoY
|
0.53%
+5.0% YoY
|
0.65%
+0.6% YoY
|
Bottom 11% in tier |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (3)
Return on Assets
metric
Bottom 8%
in Micro
Why this stands out
Current:
0.08%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 4%
in Micro
Why this stands out
Current:
2.36%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 6%
in Micro
Why this stands out
Current:
95.93%
(Tier avg: 67.73%, National avg: 65.09%)
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
65
65th pctile
Total Loans
Current: $165.2M · Tier avg: $139.2M
55
55th pctile
Total Deposits
Current: $183.4M · Tier avg: $183.7M
54
54th pctile
Total Assets
Current: $211.7M · Tier avg: $217.5M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
23
23th pctile
Loan-to-Deposit Ratio
Current: 90.11% · Tier avg: 74.53%
20
20th pctile
Non-Interest-Bearing Deposit Share
Current: 14.07% · Tier avg: 22.39%
11
11th pctile
Non-Interest Income / Assets
Current: 0.12% · Tier avg: 0.56%
8
8th pctile
Return on Assets
Current: 0.08% · Tier avg: 1.08%
6
6th pctile
Efficiency Ratio
Current: 95.93% · Tier avg: 67.73%
4
4th pctile
Net Interest Margin
Current: 2.36% · Tier avg: 3.85%
Top Weaknesses
4
4th pctile
Net Interest Margin
Current: 2.36% · Tier avg: 3.85%
6
6th pctile
Efficiency Ratio
Current: 95.93% · Tier avg: 67.73%
8
8th pctile
Return on Assets
Current: 0.08% · Tier avg: 1.08%
11
11th pctile
Non-Interest Income / Assets
Current: 0.12% · Tier avg: 0.56%
20
20th pctile
Non-Interest-Bearing Deposit Share
Current: 14.07% · Tier avg: 22.39%
23
23th pctile
Loan-to-Deposit Ratio
Current: 90.11% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
54
54th pctile
Total Assets
Current: $211.7M · Tier avg: $217.5M
55
55th pctile
Total Deposits
Current: $183.4M · Tier avg: $183.7M
65
65th pctile
Total Loans
Current: $165.2M · Tier avg: $139.2M
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%