BlastPoint's Banking Scorecard
Westmoreland Federal Savings and Loan Association
Micro
Specialty: Mortgage
PA
FDIC cert 30551
Designations: ✓ Community bank ✓ Mutual
Latrobe, PA
2498
banks in Micro tier nationally
44 in PA
View Micro leaderboard (PA) →
Westmoreland Federal Savings and Loan Association faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.84% below tier
- - Non-Interest-Bearing Deposit Share 20.66% below tier
- - Non-Interest Income / Assets 0.55% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$167.2M
-0.4% YoY
+0.6% QoQ
|
-$50.3M |
$217.5M
+2.3% YoY
|
$3.0B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
42% |
| Total Loans ? |
$69.8M
+1.4% YoY
-1.5% QoQ
|
-$69.4M |
$139.2M
+2.8% YoY
|
$2.2B
+7.9% YoY
|
$3.1B
+8.5% YoY
|
29% |
| Total Deposits ? |
$121.6M
-1.6% YoY
+0.9% QoQ
|
-$62.1M |
$183.7M
+1.8% YoY
|
$2.5B
+6.7% YoY
|
$4.7B
+6.3% YoY
|
36% |
| Return on Assets ? |
0.53%
+71.1% YoY
-26.0% QoQ
|
-0.56% |
1.08%
+14.7% YoY
|
0.80%
+34.8% YoY
|
1.12%
+15.6% YoY
|
19% |
| Net Interest Margin ? |
2.01%
+6.5% YoY
+0.6% QoQ
|
-1.84% |
3.85%
+6.6% YoY
|
3.23%
+9.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 2% in tier |
| Efficiency Ratio ? |
83.27%
-3.1% YoY
+0.8% QoQ
|
+15.55% |
67.73%
-4.8% YoY
|
70.08%
-6.4% YoY
|
65.09%
-5.1% YoY
|
15% |
| Delinquency Rate ? |
1.56%
+0.9% YoY
+9.5% QoQ
|
+0.92% |
0.64%
+24.4% YoY
|
0.65%
+5.6% YoY
|
0.66%
+20.3% YoY
|
18% |
| Loan-to-Deposit Ratio ? |
57.36%
+3.1% YoY
-2.3% QoQ
|
-17.17% |
74.53%
+0.5% YoY
|
84.39%
-0.1% YoY
|
78.04%
+0.7% YoY
|
21% |
| Non-Interest-Bearing Deposit Share ? |
1.74%
-8.3% YoY
+21.6% QoQ
|
-20.66% |
22.39%
-1.3% YoY
|
17.53%
+0.3% YoY
|
21.79%
-1.3% YoY
|
Bottom 3% in tier |
| Nonperforming Asset Ratio ? |
0.65%
+2.8% YoY
+7.2% QoQ
|
+0.20% |
0.45%
+25.1% YoY
|
0.48%
+10.7% YoY
|
0.48%
+20.8% YoY
|
30% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
11.49%
+7.4% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.01%
-23.2% YoY
+29.2% QoQ
|
-0.55% |
0.56%
+0.3% YoY
|
0.53%
+5.0% YoY
|
0.65%
+0.6% YoY
|
Bottom 1% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Net Interest Margin
metric
Bottom 2%
in Micro
Why this stands out
Current:
2.01%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest-Bearing Deposit Share
metric
Bottom 3%
in Micro
Why this stands out
Current:
1.74%
(Tier avg: 22.39%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Bottom 1%
in Micro
Why this stands out
Current:
0.01%
(Tier avg: 0.56%, 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
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
42
42th pctile
Total Assets
Current: $167.2M · Tier avg: $217.5M
36
36th pctile
Total Deposits
Current: $121.6M · Tier avg: $183.7M
30
30th pctile
Nonperforming Asset Ratio
Current: 0.65% · Tier avg: 0.45%
29
29th pctile
Total Loans
Current: $69.8M · Tier avg: $139.2M
21
21th pctile
Loan-to-Deposit Ratio
Current: 57.36% · Tier avg: 74.53%
19
19th pctile
Return on Assets
Current: 0.53% · Tier avg: 1.08%
18
18th pctile
Delinquency Rate
Current: 1.56% · Tier avg: 0.64%
15
15th pctile
Efficiency Ratio
Current: 83.27% · Tier avg: 67.73%
3
3th pctile
Non-Interest-Bearing Deposit Share
Current: 1.74% · Tier avg: 22.39%
2
2th pctile
Net Interest Margin
Current: 2.01% · Tier avg: 3.85%
1
1th pctile
Non-Interest Income / Assets
Current: 0.01% · Tier avg: 0.56%
Top Weaknesses
1
1th pctile
Non-Interest Income / Assets
Current: 0.01% · Tier avg: 0.56%
2
2th pctile
Net Interest Margin
Current: 2.01% · Tier avg: 3.85%
3
3th pctile
Non-Interest-Bearing Deposit Share
Current: 1.74% · Tier avg: 22.39%
15
15th pctile
Efficiency Ratio
Current: 83.27% · Tier avg: 67.73%
18
18th pctile
Delinquency Rate
Current: 1.56% · Tier avg: 0.64%
19
19th pctile
Return on Assets
Current: 0.53% · Tier avg: 1.08%
21
21th pctile
Loan-to-Deposit Ratio
Current: 57.36% · Tier avg: 74.53%
29
29th pctile
Total Loans
Current: $69.8M · Tier avg: $139.2M
30
30th pctile
Nonperforming Asset Ratio
Current: 0.65% · Tier avg: 0.45%
36
36th pctile
Total Deposits
Current: $121.6M · Tier avg: $183.7M
42
42th pctile
Total Assets
Current: $167.2M · Tier avg: $217.5M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%