BlastPoint's Banking Scorecard
Schuyler Savings Bank
Micro
Specialty: Mortgage
NJ
FDIC cert 30072
Designations: ✓ Community bank ✓ Mutual
Kearny, NJ
2498
banks in Micro tier nationally
14 in NJ
View Micro leaderboard (NJ) →
Schuyler Savings Bank faces 5 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 0.90% below tier
- - Net Interest Margin 1.42% below tier
- - Efficiency Ratio 22.96% above tier
- - Loan-to-Deposit Ratio 34.61% above tier
- - Non-Interest-Bearing Deposit Share 20.16% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$147.4M
+6.0% YoY
+6.5% QoQ
|
-$70.1M |
$217.5M
+2.3% YoY
|
$4.2B
+3.8% YoY
|
$5.9B
+6.5% YoY
|
37% |
| Total Loans ? |
$125.0M
+9.7% YoY
+13.7% QoQ
|
-$14.2M |
$139.2M
+2.8% YoY
|
$3.1B
+3.2% YoY
|
$3.1B
+8.5% YoY
|
52% |
| Total Deposits ? |
$114.5M
+5.6% YoY
+6.5% QoQ
|
-$69.1M |
$183.7M
+1.8% YoY
|
$3.3B
+4.8% YoY
|
$4.7B
+6.3% YoY
|
34% |
| Return on Assets ? |
0.18%
+271.5% YoY
+43.0% QoQ
|
-0.90% |
1.08%
+14.7% YoY
|
0.71%
+43.1% YoY
|
1.12%
+15.6% YoY
|
Bottom 9% in tier |
| Net Interest Margin ? |
2.44%
+22.2% YoY
+3.2% QoQ
|
-1.42% |
3.85%
+6.6% YoY
|
3.05%
+6.0% YoY
|
3.75%
+7.1% YoY
|
Bottom 5% in tier |
| Efficiency Ratio ? |
90.69%
-17.1% YoY
-3.7% QoQ
|
+22.96% |
67.73%
-4.8% YoY
|
72.64%
-5.0% YoY
|
65.09%
-5.1% YoY
|
Bottom 9% in tier |
| Delinquency Rate ? |
0.43%
-51.7% YoY
-23.3% QoQ
|
-0.21% |
0.64%
+24.4% YoY
|
0.45%
-7.9% YoY
|
0.66%
+20.3% YoY
|
49% |
| Loan-to-Deposit Ratio ? |
109.14%
+3.9% YoY
+6.8% QoQ
|
+34.61% |
74.53%
+0.5% YoY
|
88.06%
-0.7% YoY
|
78.04%
+0.7% YoY
|
Bottom 4% in tier |
| Non-Interest-Bearing Deposit Share ? |
2.23%
+6.7% YoY
+21.7% QoQ
|
-20.16% |
22.39%
-1.3% YoY
|
14.99%
+4.4% YoY
|
21.79%
-1.3% YoY
|
Bottom 3% in tier |
| Nonperforming Asset Ratio ? |
0.37%
-50.0% YoY
-18.1% QoQ
|
-0.09% |
0.45%
+25.1% YoY
|
0.33%
-21.6% YoY
|
0.48%
+20.8% YoY
|
45% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
12.24%
-1.3% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.13%
+9.7% YoY
+33.6% QoQ
|
-0.44% |
0.56%
+0.3% YoY
|
0.52%
-18.3% YoY
|
0.65%
+0.6% YoY
|
Bottom 11% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (5)
Return on Assets
metric
Bottom 9%
in Micro
Why this stands out
Current:
0.18%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 5%
in Micro
Why this stands out
Current:
2.44%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 9%
in Micro
Why this stands out
Current:
90.69%
(Tier avg: 67.73%, National avg: 65.09%)
Loan-to-Deposit Ratio
metric
Bottom 4%
in Micro
Why this stands out
Current:
109.14%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Bottom 3%
in Micro
Why this stands out
Current:
2.23%
(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
52
52th pctile
Total Loans
Current: $125.0M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
49
49th pctile
Delinquency Rate
Current: 0.43% · Tier avg: 0.64%
45
45th pctile
Nonperforming Asset Ratio
Current: 0.37% · Tier avg: 0.45%
37
37th pctile
Total Assets
Current: $147.4M · Tier avg: $217.5M
34
34th pctile
Total Deposits
Current: $114.5M · Tier avg: $183.7M
11
11th pctile
Non-Interest Income / Assets
Current: 0.13% · Tier avg: 0.56%
9
9th pctile
Return on Assets
Current: 0.18% · Tier avg: 1.08%
9
9th pctile
Efficiency Ratio
Current: 90.69% · Tier avg: 67.73%
5
5th pctile
Net Interest Margin
Current: 2.44% · Tier avg: 3.85%
4
4th pctile
Loan-to-Deposit Ratio
Current: 109.14% · Tier avg: 74.53%
3
3th pctile
Non-Interest-Bearing Deposit Share
Current: 2.23% · Tier avg: 22.39%
Top Weaknesses
3
3th pctile
Non-Interest-Bearing Deposit Share
Current: 2.23% · Tier avg: 22.39%
4
4th pctile
Loan-to-Deposit Ratio
Current: 109.14% · Tier avg: 74.53%
5
5th pctile
Net Interest Margin
Current: 2.44% · Tier avg: 3.85%
9
9th pctile
Efficiency Ratio
Current: 90.69% · Tier avg: 67.73%
9
9th pctile
Return on Assets
Current: 0.18% · Tier avg: 1.08%
11
11th pctile
Non-Interest Income / Assets
Current: 0.13% · Tier avg: 0.56%
34
34th pctile
Total Deposits
Current: $114.5M · Tier avg: $183.7M
37
37th pctile
Total Assets
Current: $147.4M · Tier avg: $217.5M
45
45th pctile
Nonperforming Asset Ratio
Current: 0.37% · Tier avg: 0.45%
49
49th pctile
Delinquency Rate
Current: 0.43% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
52
52th pctile
Total Loans
Current: $125.0M · Tier avg: $139.2M