BlastPoint's Banking Scorecard
Cumberland Federal Bank, FSB
Micro
Specialty: Mortgage
WI
FDIC cert 29293
Designations: ✓ Community bank ✓ Mutual
Cumberland, WI
2498
banks in Micro tier nationally
88 in WI
View Micro leaderboard (WI) →
Cumberland Federal Bank, FSB has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 18.74% below tier
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 17.88% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$328.8M
+13.0% YoY
+1.2% QoQ
|
+$111.3M |
$217.5M
+2.3% YoY
|
$1.1B
+5.1% YoY
|
$5.9B
+6.5% YoY
|
77% |
| Total Loans ? |
$171.4M
+15.8% YoY
+3.4% QoQ
|
+$32.2M |
$139.2M
+2.8% YoY
|
$768.8M
+4.7% YoY
|
$3.1B
+8.5% YoY
|
67% |
| Total Deposits ? |
$272.9M
+13.1% YoY
-0.8% QoQ
|
+$89.3M |
$183.7M
+1.8% YoY
|
$858.9M
+4.5% YoY
|
$4.7B
+6.3% YoY
|
76% |
| Return on Assets ? |
1.14%
+36.4% YoY
-8.7% QoQ
|
+0.05% |
1.08%
+14.7% YoY
|
1.12%
+22.4% YoY
|
1.12%
+15.6% YoY
|
55% |
| Net Interest Margin ? |
2.97%
+17.9% YoY
+2.0% QoQ
|
-0.88% |
3.85%
+6.6% YoY
|
3.60%
+10.9% YoY
|
3.75%
+7.1% YoY
|
15% |
| Efficiency Ratio ? |
48.98%
-17.2% YoY
+9.7% QoQ
|
-18.74% |
67.73%
-4.8% YoY
|
64.76%
-6.6% YoY
|
65.09%
-5.1% YoY
|
Top 9% in tier |
| Delinquency Rate ? |
0.38%
-39.9% YoY
-2.7% QoQ
|
-0.26% |
0.64%
+24.4% YoY
|
0.52%
+44.6% YoY
|
0.66%
+20.3% YoY
|
51% |
| Loan-to-Deposit Ratio ? |
62.81%
+2.4% YoY
+4.2% QoQ
|
-11.72% |
74.53%
+0.5% YoY
|
85.80%
+1.3% YoY
|
78.04%
+0.7% YoY
|
28% |
| Non-Interest-Bearing Deposit Share ? |
4.51%
-13.3% YoY
-16.9% QoQ
|
-17.88% |
22.39%
-1.3% YoY
|
18.83%
-1.2% YoY
|
21.79%
-1.3% YoY
|
Bottom 5% in tier |
| Nonperforming Asset Ratio ? |
0.20%
-38.4% YoY
-0.6% QoQ
|
-0.25% |
0.45%
+25.1% YoY
|
0.37%
+20.8% YoY
|
0.48%
+20.8% YoY
|
57% |
| Tier 1 Capital Ratio ? |
16.47%
+1.5% YoY
-1.6% QoQ
|
+7.62% |
8.85%
-3.4% YoY
|
8.70%
-2.9% YoY
|
9.75%
-1.9% YoY
|
78% |
| Non-Interest Income / Assets ? |
0.19%
+5.3% YoY
+45.7% QoQ
|
-0.38% |
0.56%
+0.3% YoY
|
0.58%
+3.9% YoY
|
0.65%
+0.6% YoY
|
21% |
Signature Analysis
Strengths (1)
Efficiency Ratio
metric
Top 9%
in Micro
Why this stands out
Current:
48.98%
(Tier avg: 67.73%, National avg: 65.09%)
Concerns (1)
Non-Interest-Bearing Deposit Share
metric
Bottom 5%
in Micro
Why this stands out
Current:
4.51%
(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
91
91th pctile
Efficiency Ratio
Current: 48.98% · Tier avg: 67.73%
78
78th pctile
Tier 1 Capital Ratio
Current: 16.47% · Tier avg: 8.85%
77
77th pctile
Total Assets
Current: $328.8M · Tier avg: $217.5M
76
76th pctile
Total Deposits
Current: $272.9M · Tier avg: $183.7M
67
67th pctile
Total Loans
Current: $171.4M · Tier avg: $139.2M
57
57th pctile
Nonperforming Asset Ratio
Current: 0.20% · Tier avg: 0.45%
55
55th pctile
Return on Assets
Current: 1.14% · Tier avg: 1.08%
51
51th pctile
Delinquency Rate
Current: 0.38% · Tier avg: 0.64%
28
28th pctile
Loan-to-Deposit Ratio
Current: 62.81% · Tier avg: 74.53%
21
21th pctile
Non-Interest Income / Assets
Current: 0.19% · Tier avg: 0.56%
15
15th pctile
Net Interest Margin
Current: 2.97% · Tier avg: 3.85%
5
5th pctile
Non-Interest-Bearing Deposit Share
Current: 4.51% · Tier avg: 22.39%
Top Weaknesses
5
5th pctile
Non-Interest-Bearing Deposit Share
Current: 4.51% · Tier avg: 22.39%
15
15th pctile
Net Interest Margin
Current: 2.97% · Tier avg: 3.85%
21
21th pctile
Non-Interest Income / Assets
Current: 0.19% · Tier avg: 0.56%
28
28th pctile
Loan-to-Deposit Ratio
Current: 62.81% · Tier avg: 74.53%
51
51th pctile
Delinquency Rate
Current: 0.38% · Tier avg: 0.64%
55
55th pctile
Return on Assets
Current: 1.14% · Tier avg: 1.08%
57
57th pctile
Nonperforming Asset Ratio
Current: 0.20% · Tier avg: 0.45%
67
67th pctile
Total Loans
Current: $171.4M · Tier avg: $139.2M
76
76th pctile
Total Deposits
Current: $272.9M · Tier avg: $183.7M
77
77th pctile
Total Assets
Current: $328.8M · Tier avg: $217.5M
78
78th pctile
Tier 1 Capital Ratio
Current: 16.47% · Tier avg: 8.85%
91
91th pctile
Efficiency Ratio
Current: 48.98% · Tier avg: 67.73%