BlastPoint's Banking Scorecard
Geddes Federal Savings and Loan Association
Community
Specialty: Mortgage
NY
FDIC cert 30397
Designations: ✓ Mutual
Syracuse, NY
1484
banks in Community tier nationally
50 in NY
View Community leaderboard (NY) →
Geddes Federal Savings and Loan Association faces 8 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 14% in Community
- - Credit Risk Growth: Bottom 19% in Community
- - Return on Assets 1.13% below tier
- - Net Interest Margin 2.09% below tier
- - Efficiency Ratio 33.69% above tier
- - Loan-to-Deposit Ratio 33.57% above tier
- - Non-Interest-Bearing Deposit Share 16.53% 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 ? |
$652.4M
-0.0% YoY
+1.5% QoQ
|
-$739.0M |
$1.4B
+2.0% YoY
|
$17.4B
+10.0% YoY
|
$5.9B
+6.5% YoY
|
22% |
| Total Loans ? |
$571.6M
+4.0% YoY
+1.5% QoQ
|
-$403.9M |
$975.5M
+2.4% YoY
|
$7.7B
+9.6% YoY
|
$3.1B
+8.5% YoY
|
39% |
| Total Deposits ? |
$490.1M
+4.7% YoY
+2.5% QoQ
|
-$674.5M |
$1.2B
+1.7% YoY
|
$13.4B
+9.3% YoY
|
$4.7B
+6.3% YoY
|
Bottom 12% in tier |
| Return on Assets ? |
0.04%
+656.8% YoY
-60.8% QoQ
|
-1.13% |
1.16%
+17.2% YoY
|
0.81%
+24.4% YoY
|
1.12%
+15.6% YoY
|
Bottom 3% in tier |
| Net Interest Margin ? |
1.57%
+17.1% YoY
-0.4% QoQ
|
-2.09% |
3.66%
+9.1% YoY
|
3.17%
+6.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 1% in tier |
| Efficiency Ratio ? |
96.33%
-5.1% YoY
+4.9% QoQ
|
+33.69% |
62.63%
-5.3% YoY
|
69.92%
-4.2% YoY
|
65.09%
-5.1% YoY
|
Bottom 2% in tier |
| Delinquency Rate ? |
0.25%
+166.5% YoY
+108.4% QoQ
|
-0.38% |
0.63%
+18.3% YoY
|
0.80%
-0.8% YoY
|
0.66%
+20.3% YoY
|
66% |
| Loan-to-Deposit Ratio ? |
116.63%
-0.6% YoY
-1.0% QoQ
|
+33.57% |
83.06%
+0.3% YoY
|
82.25%
-0.1% YoY
|
78.04%
+0.7% YoY
|
Bottom 2% in tier |
| Non-Interest-Bearing Deposit Share ? |
4.52%
+2.8% YoY
+28.5% QoQ
|
-16.53% |
21.05%
-0.9% YoY
|
21.21%
-0.1% YoY
|
21.79%
-1.3% YoY
|
Bottom 4% in tier |
| Nonperforming Asset Ratio ? |
0.22%
+129.3% YoY
+108.3% QoQ
|
-0.28% |
0.50%
+20.3% YoY
|
0.51%
-4.9% YoY
|
0.48%
+20.8% YoY
|
63% |
| 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%
-56.1% YoY
+30.7% 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 (8)
Capital Thin
risk
#61 of 432 · Bottom 14% 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 improving
Credit Risk Growth
risk
#123 of 642 · Bottom 19% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank declining
Return on Assets
metric
Bottom 3%
in Community
Why this stands out
Current:
0.04%
(Tier avg: 1.16%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 1%
in Community
Why this stands out
Current:
1.57%
(Tier avg: 3.66%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 2%
in Community
Why this stands out
Current:
96.33%
(Tier avg: 62.63%, National avg: 65.09%)
Loan-to-Deposit Ratio
metric
Bottom 2%
in Community
Why this stands out
Current:
116.63%
(Tier avg: 83.06%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Bottom 4%
in Community
Why this stands out
Current:
4.52%
(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
66
66th pctile
Delinquency Rate
Current: 0.25% · Tier avg: 0.63%
63
63th pctile
Nonperforming Asset Ratio
Current: 0.22% · Tier avg: 0.50%
39
39th pctile
Total Loans
Current: $571.6M · Tier avg: $975.5M
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
22
22th pctile
Total Assets
Current: $652.4M · Tier avg: $1.4B
12
12th pctile
Total Deposits
Current: $490.1M · Tier avg: $1.2B
4
4th pctile
Non-Interest-Bearing Deposit Share
Current: 4.52% · Tier avg: 21.05%
3
3th pctile
Return on Assets
Current: 0.04% · Tier avg: 1.16%
2
2th pctile
Loan-to-Deposit Ratio
Current: 116.63% · Tier avg: 83.06%
2
2th pctile
Efficiency Ratio
Current: 96.33% · Tier avg: 62.63%
1
1th pctile
Net Interest Margin
Current: 1.57% · Tier avg: 3.66%
0
0th pctile
Non-Interest Income / Assets
Current: 0.02% · Tier avg: 0.74%
Top Weaknesses
0
0th pctile
Non-Interest Income / Assets
Current: 0.02% · Tier avg: 0.74%
1
1th pctile
Net Interest Margin
Current: 1.57% · Tier avg: 3.66%
2
2th pctile
Efficiency Ratio
Current: 96.33% · Tier avg: 62.63%
2
2th pctile
Loan-to-Deposit Ratio
Current: 116.63% · Tier avg: 83.06%
3
3th pctile
Return on Assets
Current: 0.04% · Tier avg: 1.16%
4
4th pctile
Non-Interest-Bearing Deposit Share
Current: 4.52% · Tier avg: 21.05%
12
12th pctile
Total Deposits
Current: $490.1M · Tier avg: $1.2B
22
22th pctile
Total Assets
Current: $652.4M · Tier avg: $1.4B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
39
39th pctile
Total Loans
Current: $571.6M · Tier avg: $975.5M
63
63th pctile
Nonperforming Asset Ratio
Current: 0.22% · Tier avg: 0.50%
66
66th pctile
Delinquency Rate
Current: 0.25% · Tier avg: 0.63%