BlastPoint's Banking Scorecard
Massena Savings and Loan
Micro
Specialty: Mortgage
NY
FDIC cert 30429
Designations: ✓ Community bank ✓ Mutual
Massena, NY
2498
banks in Micro tier nationally
37 in NY
View Micro leaderboard (NY) →
Massena Savings and Loan faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 47.67% above tier
- - Non-Interest-Bearing Deposit Share 16.52% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$199.9M
+7.1% YoY
+2.9% QoQ
|
-$17.6M |
$217.5M
+2.3% YoY
|
$17.4B
+10.0% YoY
|
$5.9B
+6.5% YoY
|
52% |
| Total Loans ? |
$180.0M
+7.4% YoY
+2.1% QoQ
|
+$40.9M |
$139.2M
+2.8% YoY
|
$7.7B
+9.6% YoY
|
$3.1B
+8.5% YoY
|
69% |
| Total Deposits ? |
$147.3M
+3.1% YoY
+0.8% QoQ
|
-$36.3M |
$183.7M
+1.8% YoY
|
$13.4B
+9.3% YoY
|
$4.7B
+6.3% YoY
|
45% |
| Return on Assets ? |
0.87%
+33.2% YoY
-4.7% QoQ
|
-0.22% |
1.08%
+14.7% YoY
|
0.81%
+24.4% YoY
|
1.12%
+15.6% YoY
|
37% |
| Net Interest Margin ? |
3.38%
+7.8% YoY
+1.5% QoQ
|
-0.47% |
3.85%
+6.6% YoY
|
3.17%
+6.5% YoY
|
3.75%
+7.1% YoY
|
29% |
| Efficiency Ratio ? |
67.16%
-8.5% YoY
+2.6% QoQ
|
-0.57% |
67.73%
-4.8% YoY
|
69.92%
-4.2% YoY
|
65.09%
-5.1% YoY
|
47% |
| Delinquency Rate ? |
1.25%
-7.6% YoY
-17.1% QoQ
|
+0.61% |
0.64%
+24.4% YoY
|
0.80%
-0.8% YoY
|
0.66%
+20.3% YoY
|
23% |
| Loan-to-Deposit Ratio ? |
122.20%
+4.1% YoY
+1.2% QoQ
|
+47.67% |
74.53%
+0.5% YoY
|
82.25%
-0.1% YoY
|
78.04%
+0.7% YoY
|
Bottom 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
5.87%
+8.8% YoY
+7.9% QoQ
|
-16.52% |
22.39%
-1.3% YoY
|
21.21%
-0.1% YoY
|
21.79%
-1.3% YoY
|
Bottom 6% in tier |
| Nonperforming Asset Ratio ? |
1.24%
-8.4% YoY
-16.5% QoQ
|
+0.78% |
0.45%
+25.1% YoY
|
0.51%
-4.9% YoY
|
0.48%
+20.8% YoY
|
Bottom 15% in tier |
| Tier 1 Capital Ratio ? |
22.08%
-3.0% YoY
-1.4% QoQ
|
+13.23% |
8.85%
-3.4% YoY
|
12.36%
-2.1% YoY
|
9.75%
-1.9% YoY
|
Top 10% in tier |
| Non-Interest Income / Assets ? |
0.19%
+16.0% YoY
+26.6% QoQ
|
-0.37% |
0.56%
+0.3% YoY
|
0.84%
+34.2% YoY
|
0.65%
+0.6% YoY
|
21% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Loan-to-Deposit Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
122.20%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Bottom 6%
in Micro
Why this stands out
Current:
5.87%
(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
90
90th pctile
Tier 1 Capital Ratio
Current: 22.08% · Tier avg: 8.85%
69
69th pctile
Total Loans
Current: $180.0M · Tier avg: $139.2M
52
52th pctile
Total Assets
Current: $199.9M · Tier avg: $217.5M
47
47th pctile
Efficiency Ratio
Current: 67.16% · Tier avg: 67.73%
45
45th pctile
Total Deposits
Current: $147.3M · Tier avg: $183.7M
37
37th pctile
Return on Assets
Current: 0.87% · Tier avg: 1.08%
29
29th pctile
Net Interest Margin
Current: 3.38% · Tier avg: 3.85%
23
23th pctile
Delinquency Rate
Current: 1.25% · Tier avg: 0.64%
21
21th pctile
Non-Interest Income / Assets
Current: 0.19% · Tier avg: 0.56%
15
15th pctile
Nonperforming Asset Ratio
Current: 1.24% · Tier avg: 0.45%
6
6th pctile
Non-Interest-Bearing Deposit Share
Current: 5.87% · Tier avg: 22.39%
1
1th pctile
Loan-to-Deposit Ratio
Current: 122.20% · Tier avg: 74.53%
Top Weaknesses
1
1th pctile
Loan-to-Deposit Ratio
Current: 122.20% · Tier avg: 74.53%
6
6th pctile
Non-Interest-Bearing Deposit Share
Current: 5.87% · Tier avg: 22.39%
15
15th pctile
Nonperforming Asset Ratio
Current: 1.24% · Tier avg: 0.45%
21
21th pctile
Non-Interest Income / Assets
Current: 0.19% · Tier avg: 0.56%
23
23th pctile
Delinquency Rate
Current: 1.25% · Tier avg: 0.64%
29
29th pctile
Net Interest Margin
Current: 3.38% · Tier avg: 3.85%
37
37th pctile
Return on Assets
Current: 0.87% · Tier avg: 1.08%
45
45th pctile
Total Deposits
Current: $147.3M · Tier avg: $183.7M
47
47th pctile
Efficiency Ratio
Current: 67.16% · Tier avg: 67.73%
52
52th pctile
Total Assets
Current: $199.9M · Tier avg: $217.5M
69
69th pctile
Total Loans
Current: $180.0M · Tier avg: $139.2M
90
90th pctile
Tier 1 Capital Ratio
Current: 22.08% · Tier avg: 8.85%