BlastPoint's Banking Scorecard
Woodruff Federal Savings and Loan Association
Micro
Specialty: Mortgage
SC
FDIC cert 29238
Designations: ✓ Community bank ✓ Mutual
Woodruff, SC
2498
banks in Micro tier nationally
21 in SC
View Micro leaderboard (SC) →
Woodruff Federal Savings and Loan Association faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.54% below tier
- - Loan-to-Deposit Ratio 27.44% above tier
- - Non-Interest-Bearing Deposit Share 22.39% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$98.0M
+2.6% YoY
+0.4% QoQ
|
-$119.5M |
$217.5M
+2.3% YoY
|
$1.4B
+4.5% YoY
|
$5.9B
+6.5% YoY
|
22% |
| Total Loans ? |
$64.5M
+6.6% YoY
+0.6% QoQ
|
-$74.7M |
$139.2M
+2.8% YoY
|
$973.5M
+7.4% YoY
|
$3.1B
+8.5% YoY
|
26% |
| Total Deposits ? |
$63.2M
+4.1% YoY
+1.0% QoQ
|
-$120.5M |
$183.7M
+1.8% YoY
|
$1.2B
+4.1% YoY
|
$4.7B
+6.3% YoY
|
Bottom 15% in tier |
| Return on Assets ? |
0.28%
+65.5% YoY
+0.9% QoQ
|
-0.80% |
1.08%
+14.7% YoY
|
0.95%
+14.5% YoY
|
1.12%
+15.6% YoY
|
Bottom 12% in tier |
| Net Interest Margin ? |
2.31%
+4.9% YoY
-0.6% QoQ
|
-1.54% |
3.85%
+6.6% YoY
|
3.61%
+7.8% YoY
|
3.75%
+7.1% YoY
|
Bottom 4% in tier |
| Efficiency Ratio ? |
86.59%
-8.6% YoY
-0.5% QoQ
|
+18.86% |
67.73%
-4.8% YoY
|
68.53%
-3.0% YoY
|
65.09%
-5.1% YoY
|
Bottom 12% in tier |
| Delinquency Rate ? |
1.07%
+155.1% YoY
+40.7% QoQ
|
+0.43% |
0.64%
+24.4% YoY
|
0.35%
-2.9% YoY
|
0.66%
+20.3% YoY
|
27% |
| Loan-to-Deposit Ratio ? |
101.97%
+2.4% YoY
-0.4% QoQ
|
+27.44% |
74.53%
+0.5% YoY
|
73.98%
+1.0% YoY
|
78.04%
+0.7% YoY
|
Bottom 7% in tier |
| Non-Interest-Bearing Deposit Share ? | 0.00% | -22.39% |
22.39%
-1.3% YoY
|
20.79%
-0.7% YoY
|
21.79%
-1.3% YoY
|
Bottom 2% in tier |
| Nonperforming Asset Ratio ? |
0.70%
+165.1% YoY
+41.0% QoQ
|
+0.25% |
0.45%
+25.1% YoY
|
0.23%
-5.4% YoY
|
0.48%
+20.8% YoY
|
28% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
12.85%
+2.9% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.15%
+0.3% YoY
+30.4% QoQ
|
-0.42% |
0.56%
+0.3% YoY
|
0.49%
-7.0% YoY
|
0.65%
+0.6% YoY
|
Bottom 15% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Net Interest Margin
metric
Bottom 4%
in Micro
Why this stands out
Current:
2.31%
(Tier avg: 3.85%, National avg: 3.75%)
Loan-to-Deposit Ratio
metric
Bottom 7%
in Micro
Why this stands out
Current:
101.97%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Bottom 2%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 22.39%, National avg: 21.79%)
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
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
28
28th pctile
Nonperforming Asset Ratio
Current: 0.70% · Tier avg: 0.45%
27
27th pctile
Delinquency Rate
Current: 1.07% · Tier avg: 0.64%
26
26th pctile
Total Loans
Current: $64.5M · Tier avg: $139.2M
22
22th pctile
Total Assets
Current: $98.0M · Tier avg: $217.5M
15
15th pctile
Total Deposits
Current: $63.2M · Tier avg: $183.7M
15
15th pctile
Non-Interest Income / Assets
Current: 0.15% · Tier avg: 0.56%
12
12th pctile
Return on Assets
Current: 0.28% · Tier avg: 1.08%
12
12th pctile
Efficiency Ratio
Current: 86.59% · Tier avg: 67.73%
7
7th pctile
Loan-to-Deposit Ratio
Current: 101.97% · Tier avg: 74.53%
4
4th pctile
Net Interest Margin
Current: 2.31% · Tier avg: 3.85%
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 0.00% · Tier avg: 22.39%
Top Weaknesses
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 0.00% · Tier avg: 22.39%
4
4th pctile
Net Interest Margin
Current: 2.31% · Tier avg: 3.85%
7
7th pctile
Loan-to-Deposit Ratio
Current: 101.97% · Tier avg: 74.53%
12
12th pctile
Efficiency Ratio
Current: 86.59% · Tier avg: 67.73%
12
12th pctile
Return on Assets
Current: 0.28% · Tier avg: 1.08%
15
15th pctile
Non-Interest Income / Assets
Current: 0.15% · Tier avg: 0.56%
15
15th pctile
Total Deposits
Current: $63.2M · Tier avg: $183.7M
22
22th pctile
Total Assets
Current: $98.0M · Tier avg: $217.5M
26
26th pctile
Total Loans
Current: $64.5M · Tier avg: $139.2M
27
27th pctile
Delinquency Rate
Current: 1.07% · Tier avg: 0.64%
28
28th pctile
Nonperforming Asset Ratio
Current: 0.70% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%