BlastPoint's Banking Scorecard
Maspeth Federal Savings and Loan Association
Community
Specialty: Commercial
NY
FDIC cert 30303
Designations: ✓ Mutual
Maspeth, NY
1484
banks in Community tier nationally
50 in NY
View Community leaderboard (NY) →
Maspeth Federal Savings and Loan Association 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
- - Capital Thin: Bottom 13% in Community
- - Flatlined Growth: Bottom 23% in Community
- - Liquidity Strain: Bottom 41% in Community
- - Non-Interest-Bearing Deposit Share 16.84% below tier
- - Non-Interest Income / Assets 0.72% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.2B
-0.3% YoY
+2.3% QoQ
|
+$808.4M |
$1.4B
+2.0% YoY
|
$17.4B
+10.0% YoY
|
$5.9B
+6.5% YoY
|
82% |
| Total Loans ? |
$1.9B
-1.4% YoY
+0.1% QoQ
|
+$961.6M |
$975.5M
+2.4% YoY
|
$7.7B
+9.6% YoY
|
$3.1B
+8.5% YoY
|
Top 12% in tier |
| Total Deposits ? |
$1.4B
-1.9% YoY
+3.8% QoQ
|
+$239.2M |
$1.2B
+1.7% YoY
|
$13.4B
+9.3% YoY
|
$4.7B
+6.3% YoY
|
75% |
| Return on Assets ? |
0.84%
+22.7% YoY
-7.8% QoQ
|
-0.33% |
1.16%
+17.2% YoY
|
0.81%
+24.4% YoY
|
1.12%
+15.6% YoY
|
27% |
| Net Interest Margin ? |
3.56%
+9.6% YoY
+0.8% QoQ
|
-0.10% |
3.66%
+9.1% YoY
|
3.17%
+6.5% YoY
|
3.75%
+7.1% YoY
|
45% |
| Efficiency Ratio ? |
63.66%
-7.8% YoY
+3.7% QoQ
|
+1.03% |
62.63%
-5.3% YoY
|
69.92%
-4.2% YoY
|
65.09%
-5.1% YoY
|
46% |
| Delinquency Rate ? |
1.38%
-12.6% YoY
-7.6% QoQ
|
+0.75% |
0.63%
+18.3% YoY
|
0.80%
-0.8% YoY
|
0.66%
+20.3% YoY
|
18% |
| Loan-to-Deposit Ratio ? |
137.99%
+0.5% YoY
-3.6% QoQ
|
+54.93% |
83.06%
+0.3% YoY
|
82.25%
-0.1% YoY
|
78.04%
+0.7% YoY
|
Bottom 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
4.21%
+5.6% YoY
-2.4% QoQ
|
-16.84% |
21.05%
-0.9% YoY
|
21.21%
-0.1% YoY
|
21.79%
-1.3% YoY
|
Bottom 3% in tier |
| Nonperforming Asset Ratio ? |
1.42%
-21.1% YoY
-8.7% QoQ
|
+0.92% |
0.50%
+20.3% YoY
|
0.51%
-4.9% YoY
|
0.48%
+20.8% YoY
|
Bottom 11% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
12.36%
-2.1% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.02%
-63.8% YoY
+26.0% QoQ
|
-0.72% |
0.74%
-1.3% YoY
|
0.84%
+34.2% YoY
|
0.65%
+0.6% YoY
|
Bottom 1% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (5)
Capital Thin
risk
#56 of 432 · Bottom 13% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank declining
Flatlined Growth
risk
#57 of 245 · Bottom 23% 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:
0.84%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
Liquidity Strain
risk
#211 of 513 · Bottom 41% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
137.99%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Non-Interest-Bearing Deposit Share
metric
Bottom 3%
in Community
Why this stands out
Current:
4.21%
(Tier avg: 21.05%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Bottom 1%
in Community
Why this stands out
Current:
0.02%
(Tier avg: 0.74%, 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
88
88th pctile
Total Loans
Current: $1.9B · Tier avg: $975.5M
82
82th pctile
Total Assets
Current: $2.2B · Tier avg: $1.4B
75
75th pctile
Total Deposits
Current: $1.4B · Tier avg: $1.2B
46
46th pctile
Efficiency Ratio
Current: 63.66% · Tier avg: 62.63%
45
45th pctile
Net Interest Margin
Current: 3.56% · Tier avg: 3.66%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
27
27th pctile
Return on Assets
Current: 0.84% · Tier avg: 1.16%
18
18th pctile
Delinquency Rate
Current: 1.38% · Tier avg: 0.63%
11
11th pctile
Nonperforming Asset Ratio
Current: 1.42% · Tier avg: 0.50%
3
3th pctile
Non-Interest-Bearing Deposit Share
Current: 4.21% · Tier avg: 21.05%
1
1th pctile
Non-Interest Income / Assets
Current: 0.02% · Tier avg: 0.74%
0
0th pctile
Loan-to-Deposit Ratio
Current: 137.99% · Tier avg: 83.06%
Top Weaknesses
0
0th pctile
Loan-to-Deposit Ratio
Current: 137.99% · Tier avg: 83.06%
1
1th pctile
Non-Interest Income / Assets
Current: 0.02% · Tier avg: 0.74%
3
3th pctile
Non-Interest-Bearing Deposit Share
Current: 4.21% · Tier avg: 21.05%
11
11th pctile
Nonperforming Asset Ratio
Current: 1.42% · Tier avg: 0.50%
18
18th pctile
Delinquency Rate
Current: 1.38% · Tier avg: 0.63%
27
27th pctile
Return on Assets
Current: 0.84% · Tier avg: 1.16%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
45
45th pctile
Net Interest Margin
Current: 3.56% · Tier avg: 3.66%
46
46th pctile
Efficiency Ratio
Current: 63.66% · Tier avg: 62.63%
75
75th pctile
Total Deposits
Current: $1.4B · Tier avg: $1.2B
82
82th pctile
Total Assets
Current: $2.2B · Tier avg: $1.4B
88
88th pctile
Total Loans
Current: $1.9B · Tier avg: $975.5M