BlastPoint's Banking Scorecard
First Federal Savings and Loan Association of McMinnville
Community
Specialty: Other
OR
FDIC cert 29624
Mcminnville, OR
1484
banks in Community tier nationally
8 in OR
View Community leaderboard (OR) →
First Federal Savings and Loan Association of McMinnville has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.63% below tier
- + Nonperforming Asset Ratio 0.50% below tier
- + Tier 1 Capital Ratio 11.43% above tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 44% in Community
- - Liquidity Overhang: Bottom 47% in Community
- - Return on Assets 0.82% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$669.4M
+4.0% YoY
+0.2% QoQ
|
-$722.0M |
$1.4B
+2.0% YoY
|
$5.8B
+35.0% YoY
|
$5.9B
+6.5% YoY
|
24% |
| Total Loans ? |
$402.9M
+1.1% YoY
-1.2% QoQ
|
-$572.6M |
$975.5M
+2.4% YoY
|
$4.1B
+33.3% YoY
|
$3.1B
+8.5% YoY
|
15% |
| Total Deposits ? |
$570.7M
+2.9% YoY
+0.0% QoQ
|
-$594.0M |
$1.2B
+1.7% YoY
|
$4.7B
+35.4% YoY
|
$4.7B
+6.3% YoY
|
24% |
| Return on Assets ? |
0.35%
+43.7% YoY
+11.2% QoQ
|
-0.82% |
1.16%
+17.2% YoY
|
0.97%
+23.1% YoY
|
1.12%
+15.6% YoY
|
Bottom 7% in tier |
| Net Interest Margin ? |
2.84%
+10.0% YoY
+1.7% QoQ
|
-0.82% |
3.66%
+9.1% YoY
|
3.91%
+8.6% YoY
|
3.75%
+7.1% YoY
|
Bottom 12% in tier |
| Efficiency Ratio ? |
84.49%
-4.7% YoY
-1.3% QoQ
|
+21.86% |
62.63%
-5.3% YoY
|
69.38%
-5.2% YoY
|
65.09%
-5.1% YoY
|
Bottom 7% in tier |
| Delinquency Rate ? |
0.00%
-100.0% QoQ
|
-0.63% |
0.63%
+18.3% YoY
|
0.44%
+26.5% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
70.60%
-1.7% YoY
-1.2% QoQ
|
-12.47% |
83.06%
+0.3% YoY
|
78.09%
-1.5% YoY
|
78.04%
+0.7% YoY
|
80% |
| Non-Interest-Bearing Deposit Share ? |
13.28%
-9.0% YoY
-6.1% QoQ
|
-7.76% |
21.05%
-0.9% YoY
|
23.36%
-7.5% YoY
|
21.79%
-1.3% YoY
|
19% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% QoQ
|
-0.50% |
0.50%
+20.3% YoY
|
0.42%
+67.0% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
21.67%
+4.5% YoY
+1.8% QoQ
|
+11.43% |
10.24%
-0.6% YoY
|
8.96%
-3.7% YoY
|
9.75%
-1.9% YoY
|
Top 5% in tier |
| Non-Interest Income / Assets ? |
0.33%
-8.4% YoY
+32.6% QoQ
|
-0.41% |
0.74%
-1.3% YoY
|
0.64%
+1.9% YoY
|
0.65%
+0.6% YoY
|
27% |
Signature Analysis
Strengths (3)
Delinquency Rate
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.50%, National avg: 0.48%)
Tier 1 Capital Ratio
metric
Top 5%
in Community
Why this stands out
Current:
21.67%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (3)
Efficiency Drag
risk
#67 of 152 · Bottom 44% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
84.49%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
Liquidity Overhang
risk
#127 of 268 · Bottom 47% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
21.67%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
70.60%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Return on Assets
metric
Bottom 7%
in Community
Why this stands out
Current:
0.35%
(Tier avg: 1.16%, National avg: 1.12%)
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: 0.63%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
95
95th pctile
Tier 1 Capital Ratio
Current: 21.67% · Tier avg: 10.24%
80
80th pctile
Loan-to-Deposit Ratio
Current: 70.60% · Tier avg: 83.06%
27
27th pctile
Non-Interest Income / Assets
Current: 0.33% · Tier avg: 0.74%
24
24th pctile
Total Deposits
Current: $570.7M · Tier avg: $1.2B
24
24th pctile
Total Assets
Current: $669.4M · Tier avg: $1.4B
19
19th pctile
Non-Interest-Bearing Deposit Share
Current: 13.28% · Tier avg: 21.05%
15
15th pctile
Total Loans
Current: $402.9M · Tier avg: $975.5M
12
12th pctile
Net Interest Margin
Current: 2.84% · Tier avg: 3.66%
7
7th pctile
Return on Assets
Current: 0.35% · Tier avg: 1.16%
7
7th pctile
Efficiency Ratio
Current: 84.49% · Tier avg: 62.63%
Top Weaknesses
7
7th pctile
Efficiency Ratio
Current: 84.49% · Tier avg: 62.63%
7
7th pctile
Return on Assets
Current: 0.35% · Tier avg: 1.16%
12
12th pctile
Net Interest Margin
Current: 2.84% · Tier avg: 3.66%
15
15th pctile
Total Loans
Current: $402.9M · Tier avg: $975.5M
19
19th pctile
Non-Interest-Bearing Deposit Share
Current: 13.28% · Tier avg: 21.05%
24
24th pctile
Total Assets
Current: $669.4M · Tier avg: $1.4B
24
24th pctile
Total Deposits
Current: $570.7M · Tier avg: $1.2B
27
27th pctile
Non-Interest Income / Assets
Current: 0.33% · Tier avg: 0.74%
80
80th pctile
Loan-to-Deposit Ratio
Current: 70.60% · Tier avg: 83.06%
95
95th pctile
Tier 1 Capital Ratio
Current: 21.67% · Tier avg: 10.24%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%