BlastPoint's Banking Scorecard
Compass Savings Bank
Micro
Specialty: Mortgage
PA
FDIC cert 29430
Designations: ✓ Community bank ✓ Mutual
Wilmerding, PA
2498
banks in Micro tier nationally
44 in PA
View Micro leaderboard (PA) →
Compass Savings Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 0.77% above tier
Key Concerns
Areas that may need attention
- - Net Interest Margin 2.46% below tier
- - Loan-to-Deposit Ratio 28.91% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$55.5M
-5.5% YoY
-4.2% QoQ
|
-$162.0M |
$217.5M
+2.3% YoY
|
$3.0B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
Bottom 9% in tier |
| Total Loans ? |
$50.7M
-2.9% YoY
+3.0% QoQ
|
-$88.5M |
$139.2M
+2.8% YoY
|
$2.2B
+7.9% YoY
|
$3.1B
+8.5% YoY
|
20% |
| Total Deposits ? |
$49.0M
-6.1% YoY
-4.2% QoQ
|
-$134.6M |
$183.7M
+1.8% YoY
|
$2.5B
+6.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 10% in tier |
| Return on Assets ? |
0.45%
+152.6% YoY
-28.7% QoQ
|
-0.63% |
1.08%
+14.7% YoY
|
0.80%
+34.8% YoY
|
1.12%
+15.6% YoY
|
17% |
| Net Interest Margin ? |
1.39%
+8.8% YoY
+7.1% QoQ
|
-2.46% |
3.85%
+6.6% YoY
|
3.23%
+9.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 1% in tier |
| Efficiency Ratio ? |
82.79%
-50.5% YoY
+6.3% QoQ
|
+15.07% |
67.73%
-4.8% YoY
|
70.08%
-6.4% YoY
|
65.09%
-5.1% YoY
|
16% |
| Delinquency Rate ? |
0.17%
-29.1% YoY
-70.3% QoQ
|
-0.47% |
0.64%
+24.4% YoY
|
0.65%
+5.6% YoY
|
0.66%
+20.3% YoY
|
65% |
| Loan-to-Deposit Ratio ? |
103.43%
+3.4% YoY
+7.5% QoQ
|
+28.91% |
74.53%
+0.5% YoY
|
84.39%
-0.1% YoY
|
78.04%
+0.7% YoY
|
Bottom 6% in tier |
| Non-Interest-Bearing Deposit Share ? |
9.68%
-4.6% YoY
-10.5% QoQ
|
-12.71% |
22.39%
-1.3% YoY
|
17.53%
+0.3% YoY
|
21.79%
-1.3% YoY
|
Bottom 11% in tier |
| Nonperforming Asset Ratio ? |
0.15%
-74.1% YoY
-80.7% QoQ
|
-0.30% |
0.45%
+25.1% YoY
|
0.48%
+10.7% YoY
|
0.48%
+20.8% YoY
|
61% |
| Tier 1 Capital Ratio ? |
14.13%
+20.2% YoY
+4.8% QoQ
|
+5.27% |
8.85%
-3.4% YoY
|
11.49%
+7.4% YoY
|
9.75%
-1.9% YoY
|
69% |
| Non-Interest Income / Assets ? |
1.34%
+9.5% QoQ
|
+0.77% |
0.56%
+0.3% YoY
|
0.53%
+5.0% YoY
|
0.65%
+0.6% YoY
|
Top 5% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 5%
in Micro
Why this stands out
Current:
1.34%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (2)
Net Interest Margin
metric
Bottom 1%
in Micro
Why this stands out
Current:
1.39%
(Tier avg: 3.85%, National avg: 3.75%)
Loan-to-Deposit Ratio
metric
Bottom 6%
in Micro
Why this stands out
Current:
103.43%
(Tier avg: 74.53%, National avg: 78.04%)
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
95
95th pctile
Non-Interest Income / Assets
Current: 1.34% · Tier avg: 0.56%
69
69th pctile
Tier 1 Capital Ratio
Current: 14.13% · Tier avg: 8.85%
65
65th pctile
Delinquency Rate
Current: 0.17% · Tier avg: 0.64%
61
61th pctile
Nonperforming Asset Ratio
Current: 0.15% · Tier avg: 0.45%
20
20th pctile
Total Loans
Current: $50.7M · Tier avg: $139.2M
17
17th pctile
Return on Assets
Current: 0.45% · Tier avg: 1.08%
16
16th pctile
Efficiency Ratio
Current: 82.79% · Tier avg: 67.73%
11
11th pctile
Non-Interest-Bearing Deposit Share
Current: 9.68% · Tier avg: 22.39%
10
10th pctile
Total Deposits
Current: $49.0M · Tier avg: $183.7M
9
9th pctile
Total Assets
Current: $55.5M · Tier avg: $217.5M
6
6th pctile
Loan-to-Deposit Ratio
Current: 103.43% · Tier avg: 74.53%
1
1th pctile
Net Interest Margin
Current: 1.39% · Tier avg: 3.85%
Top Weaknesses
1
1th pctile
Net Interest Margin
Current: 1.39% · Tier avg: 3.85%
6
6th pctile
Loan-to-Deposit Ratio
Current: 103.43% · Tier avg: 74.53%
9
9th pctile
Total Assets
Current: $55.5M · Tier avg: $217.5M
10
10th pctile
Total Deposits
Current: $49.0M · Tier avg: $183.7M
11
11th pctile
Non-Interest-Bearing Deposit Share
Current: 9.68% · Tier avg: 22.39%
16
16th pctile
Efficiency Ratio
Current: 82.79% · Tier avg: 67.73%
17
17th pctile
Return on Assets
Current: 0.45% · Tier avg: 1.08%
20
20th pctile
Total Loans
Current: $50.7M · Tier avg: $139.2M
61
61th pctile
Nonperforming Asset Ratio
Current: 0.15% · Tier avg: 0.45%
65
65th pctile
Delinquency Rate
Current: 0.17% · Tier avg: 0.64%
69
69th pctile
Tier 1 Capital Ratio
Current: 14.13% · Tier avg: 8.85%
95
95th pctile
Non-Interest Income / Assets
Current: 1.34% · Tier avg: 0.56%