BlastPoint's Banking Scorecard
Oconee Federal Savings and Loan Association
Community
Specialty: Mortgage
SC
FDIC cert 30111
Seneca, SC
1484
banks in Community tier nationally
22 in SC
View Community leaderboard (SC) →
Oconee Federal Savings and Loan Association has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 14.31% above tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 2% in Community
- - Liquidity Overhang: Bottom 16% in Community
- - Flatlined Growth: Bottom 27% in Community
- - Cost Spiral: Bottom 79% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$663.6M
+0.7% YoY
+0.5% QoQ
|
-$727.9M |
$1.4B
+2.0% YoY
|
$1.4B
+4.5% YoY
|
$5.9B
+6.5% YoY
|
24% |
| Total Loans ? |
$482.0M
+2.0% YoY
+0.2% QoQ
|
-$493.4M |
$975.5M
+2.4% YoY
|
$973.5M
+7.4% YoY
|
$3.1B
+8.5% YoY
|
28% |
| Total Deposits ? |
$557.1M
+4.8% YoY
+2.6% QoQ
|
-$607.5M |
$1.2B
+1.7% YoY
|
$1.2B
+4.1% YoY
|
$4.7B
+6.3% YoY
|
22% |
| Return on Assets ? |
0.76%
-34.4% YoY
-1.8% QoQ
|
-0.40% |
1.16%
+17.2% YoY
|
0.95%
+14.5% YoY
|
1.12%
+15.6% YoY
|
22% |
| Net Interest Margin ? |
2.75%
+16.7% YoY
+1.0% QoQ
|
-0.91% |
3.66%
+9.1% YoY
|
3.61%
+7.8% YoY
|
3.75%
+7.1% YoY
|
Bottom 10% in tier |
| Efficiency Ratio ? |
66.48%
+12.6% YoY
-1.3% QoQ
|
+3.85% |
62.63%
-5.3% YoY
|
68.53%
-3.0% YoY
|
65.09%
-5.1% YoY
|
36% |
| Delinquency Rate ? |
0.21%
-42.5% YoY
-17.5% QoQ
|
-0.42% |
0.63%
+18.3% YoY
|
0.35%
-2.9% YoY
|
0.66%
+20.3% YoY
|
69% |
| Loan-to-Deposit Ratio ? |
86.52%
-2.7% YoY
-2.3% QoQ
|
+3.46% |
83.06%
+0.3% YoY
|
73.98%
+1.0% YoY
|
78.04%
+0.7% YoY
|
45% |
| Non-Interest-Bearing Deposit Share ? |
13.76%
-1.3% YoY
-1.8% QoQ
|
-7.28% |
21.05%
-0.9% YoY
|
20.79%
-0.7% YoY
|
21.79%
-1.3% YoY
|
21% |
| Nonperforming Asset Ratio ? |
0.15%
-41.8% YoY
-17.7% QoQ
|
-0.35% |
0.50%
+20.3% YoY
|
0.23%
-5.4% YoY
|
0.48%
+20.8% YoY
|
70% |
| Tier 1 Capital Ratio ? |
24.55%
+0.1% YoY
-2.8% QoQ
|
+14.31% |
10.24%
-0.6% YoY
|
12.85%
+2.9% YoY
|
9.75%
-1.9% YoY
|
Top 3% in tier |
| Non-Interest Income / Assets ? |
0.25%
-74.2% YoY
+27.1% QoQ
|
-0.49% |
0.74%
-1.3% YoY
|
0.49%
-7.0% YoY
|
0.65%
+0.6% YoY
|
17% |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 3%
in Community
Why this stands out
Current:
24.55%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (4)
Margin Compression
decline
#3 of 120 · Bottom 2% in Community
Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Why this signature
Return on Assets:
0.76%
(Tier: 1.16%, National: 1.12%)
120 of 120 Community banks match
·
147 nationally
→ Stable
-9 banks QoQ
Liquidity Overhang
risk
#44 of 268 · Bottom 16% 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:
24.55%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
86.52%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Flatlined Growth
risk
#66 of 245 · Bottom 27% in Community
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
0.76%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
|
QoQ rank declining
Cost Spiral
risk
#32 of 40 · Bottom 79% in Community
Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Why this signature
Efficiency Ratio:
66.48%
(Tier: 62.63%, National: 65.09%)
40 of 40 Community banks match
·
50 nationally
↓ Shrinking
-10 banks QoQ
|
QoQ rank improving
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
97
97th pctile
Tier 1 Capital Ratio
Current: 24.55% · Tier avg: 10.24%
70
70th pctile
Nonperforming Asset Ratio
Current: 0.15% · Tier avg: 0.50%
69
69th pctile
Delinquency Rate
Current: 0.21% · Tier avg: 0.63%
45
45th pctile
Loan-to-Deposit Ratio
Current: 86.52% · Tier avg: 83.06%
36
36th pctile
Efficiency Ratio
Current: 66.48% · Tier avg: 62.63%
28
28th pctile
Total Loans
Current: $482.0M · Tier avg: $975.5M
24
24th pctile
Total Assets
Current: $663.6M · Tier avg: $1.4B
22
22th pctile
Total Deposits
Current: $557.1M · Tier avg: $1.2B
22
22th pctile
Return on Assets
Current: 0.76% · Tier avg: 1.16%
21
21th pctile
Non-Interest-Bearing Deposit Share
Current: 13.76% · Tier avg: 21.05%
17
17th pctile
Non-Interest Income / Assets
Current: 0.25% · Tier avg: 0.74%
10
10th pctile
Net Interest Margin
Current: 2.75% · Tier avg: 3.66%
Top Weaknesses
10
10th pctile
Net Interest Margin
Current: 2.75% · Tier avg: 3.66%
17
17th pctile
Non-Interest Income / Assets
Current: 0.25% · Tier avg: 0.74%
21
21th pctile
Non-Interest-Bearing Deposit Share
Current: 13.76% · Tier avg: 21.05%
22
22th pctile
Return on Assets
Current: 0.76% · Tier avg: 1.16%
22
22th pctile
Total Deposits
Current: $557.1M · Tier avg: $1.2B
24
24th pctile
Total Assets
Current: $663.6M · Tier avg: $1.4B
28
28th pctile
Total Loans
Current: $482.0M · Tier avg: $975.5M
36
36th pctile
Efficiency Ratio
Current: 66.48% · Tier avg: 62.63%
45
45th pctile
Loan-to-Deposit Ratio
Current: 86.52% · Tier avg: 83.06%
69
69th pctile
Delinquency Rate
Current: 0.21% · Tier avg: 0.63%
70
70th pctile
Nonperforming Asset Ratio
Current: 0.15% · Tier avg: 0.50%
97
97th pctile
Tier 1 Capital Ratio
Current: 24.55% · Tier avg: 10.24%