BlastPoint's Banking Scorecard
Second Federal Savings and Loan Association of Philadelphia
Micro
Specialty: Commercial
PA
FDIC cert 29627
Designations: ✓ Community bank ✓ Mutual
Philadelphia, PA
2498
banks in Micro tier nationally
44 in PA
View Micro leaderboard (PA) →
Second Federal Savings and Loan Association of Philadelphia has 3 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
- + Tier 1 Capital Ratio 15.37% above tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 67.15% above tier
- - Non-Interest-Bearing Deposit Share 20.63% below tier
- - Non-Interest Income / Assets 0.52% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$43.9M
+9.5% YoY
+2.1% QoQ
|
-$173.5M |
$217.5M
+2.3% YoY
|
$3.0B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
Bottom 6% in tier |
| Total Loans ? |
$35.0M
+13.5% YoY
+1.0% QoQ
|
-$104.2M |
$139.2M
+2.8% YoY
|
$2.2B
+7.9% YoY
|
$3.1B
+8.5% YoY
|
Bottom 13% in tier |
| Total Deposits ? |
$24.7M
+10.6% YoY
+3.4% QoQ
|
-$159.0M |
$183.7M
+1.8% YoY
|
$2.5B
+6.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 4% in tier |
| Return on Assets ? |
0.92%
+66.4% YoY
-3.1% QoQ
|
-0.16% |
1.08%
+14.7% YoY
|
0.80%
+34.8% YoY
|
1.12%
+15.6% YoY
|
41% |
| Net Interest Margin ? |
3.69%
+10.4% YoY
+3.1% QoQ
|
-0.17% |
3.85%
+6.6% YoY
|
3.23%
+9.5% YoY
|
3.75%
+7.1% YoY
|
44% |
| Efficiency Ratio ? |
61.08%
-4.5% YoY
-2.3% QoQ
|
-6.65% |
67.73%
-4.8% YoY
|
70.08%
-6.4% YoY
|
65.09%
-5.1% YoY
|
64% |
| 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 ? |
141.68%
+2.6% YoY
-2.4% QoQ
|
+67.15% |
74.53%
+0.5% YoY
|
84.39%
-0.1% YoY
|
78.04%
+0.7% YoY
|
Bottom 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
1.77%
+2.7% YoY
+42.0% QoQ
|
-20.63% |
22.39%
-1.3% YoY
|
17.53%
+0.3% YoY
|
21.79%
-1.3% YoY
|
Bottom 3% in tier |
| 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 ? |
24.22%
-4.3% YoY
+0.8% QoQ
|
+15.37% |
8.85%
-3.4% YoY
|
11.49%
+7.4% YoY
|
9.75%
-1.9% YoY
|
Top 8% in tier |
| Non-Interest Income / Assets ? |
0.04%
-17.8% YoY
+25.9% QoQ
|
-0.52% |
0.56%
+0.3% YoY
|
0.53%
+5.0% YoY
|
0.65%
+0.6% YoY
|
Bottom 2% in tier |
Signature Analysis
Strengths (3)
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%)
Tier 1 Capital Ratio
metric
Top 8%
in Micro
Why this stands out
Current:
24.22%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (3)
Loan-to-Deposit Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
141.68%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Bottom 3%
in Micro
Why this stands out
Current:
1.77%
(Tier avg: 22.39%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Bottom 2%
in Micro
Why this stands out
Current:
0.04%
(Tier avg: 0.56%, National avg: 0.65%)
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%
92
92th pctile
Tier 1 Capital Ratio
Current: 24.22% · Tier avg: 8.85%
64
64th pctile
Efficiency Ratio
Current: 61.08% · Tier avg: 67.73%
44
44th pctile
Net Interest Margin
Current: 3.69% · Tier avg: 3.85%
41
41th pctile
Return on Assets
Current: 0.92% · Tier avg: 1.08%
13
13th pctile
Total Loans
Current: $35.0M · Tier avg: $139.2M
6
6th pctile
Total Assets
Current: $43.9M · Tier avg: $217.5M
4
4th pctile
Total Deposits
Current: $24.7M · Tier avg: $183.7M
3
3th pctile
Non-Interest-Bearing Deposit Share
Current: 1.77% · Tier avg: 22.39%
2
2th pctile
Non-Interest Income / Assets
Current: 0.04% · Tier avg: 0.56%
0
0th pctile
Loan-to-Deposit Ratio
Current: 141.68% · Tier avg: 74.53%
Top Weaknesses
0
0th pctile
Loan-to-Deposit Ratio
Current: 141.68% · Tier avg: 74.53%
2
2th pctile
Non-Interest Income / Assets
Current: 0.04% · Tier avg: 0.56%
3
3th pctile
Non-Interest-Bearing Deposit Share
Current: 1.77% · Tier avg: 22.39%
4
4th pctile
Total Deposits
Current: $24.7M · Tier avg: $183.7M
6
6th pctile
Total Assets
Current: $43.9M · Tier avg: $217.5M
13
13th pctile
Total Loans
Current: $35.0M · Tier avg: $139.2M
41
41th pctile
Return on Assets
Current: 0.92% · Tier avg: 1.08%
44
44th pctile
Net Interest Margin
Current: 3.69% · Tier avg: 3.85%
64
64th pctile
Efficiency Ratio
Current: 61.08% · Tier avg: 67.73%
92
92th pctile
Tier 1 Capital Ratio
Current: 24.22% · Tier avg: 8.85%
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%