BlastPoint's Banking Scorecard
Gouverneur Savings and Loan Association
Micro
Specialty: Mortgage
NY
FDIC cert 30976
Designations: ✓ Community bank
Gouverneur, NY
2498
banks in Micro tier nationally
37 in NY
View Micro leaderboard (NY) →
Gouverneur Savings and Loan Association demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 15.65% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$202.1M
+2.5% YoY
+1.6% QoQ
|
-$15.4M |
$217.5M
+2.3% YoY
|
$17.4B
+10.0% YoY
|
$5.9B
+6.5% YoY
|
52% |
| Total Loans ? |
$133.1M
+6.6% YoY
+1.2% QoQ
|
-$6.0M |
$139.2M
+2.8% YoY
|
$7.7B
+9.6% YoY
|
$3.1B
+8.5% YoY
|
55% |
| Total Deposits ? |
$161.3M
-1.2% YoY
+3.0% QoQ
|
-$22.3M |
$183.7M
+1.8% YoY
|
$13.4B
+9.3% YoY
|
$4.7B
+6.3% YoY
|
49% |
| Return on Assets ? |
0.60%
+42.1% YoY
+4.0% QoQ
|
-0.49% |
1.08%
+14.7% YoY
|
0.81%
+24.4% YoY
|
1.12%
+15.6% YoY
|
22% |
| Net Interest Margin ? |
4.19%
+1.7% YoY
-0.9% QoQ
|
+0.34% |
3.85%
+6.6% YoY
|
3.17%
+6.5% YoY
|
3.75%
+7.1% YoY
|
68% |
| Efficiency Ratio ? |
80.77%
-4.9% YoY
-0.6% QoQ
|
+13.04% |
67.73%
-4.8% YoY
|
69.92%
-4.2% YoY
|
65.09%
-5.1% YoY
|
20% |
| Delinquency Rate ? |
0.75%
+34.6% YoY
+40.7% QoQ
|
+0.11% |
0.64%
+24.4% YoY
|
0.80%
-0.8% YoY
|
0.66%
+20.3% YoY
|
36% |
| Loan-to-Deposit Ratio ? |
82.53%
+7.9% YoY
-1.8% QoQ
|
+8.00% |
74.53%
+0.5% YoY
|
82.25%
-0.1% YoY
|
78.04%
+0.7% YoY
|
37% |
| Non-Interest-Bearing Deposit Share ? |
11.71%
+3.8% YoY
-5.7% QoQ
|
-10.68% |
22.39%
-1.3% YoY
|
21.21%
-0.1% YoY
|
21.79%
-1.3% YoY
|
15% |
| Nonperforming Asset Ratio ? |
0.57%
+62.1% YoY
+41.2% QoQ
|
+0.12% |
0.45%
+25.1% YoY
|
0.51%
-4.9% YoY
|
0.48%
+20.8% YoY
|
34% |
| Tier 1 Capital Ratio ? |
24.50%
+4.4% YoY
+1.3% QoQ
|
+15.65% |
8.85%
-3.4% YoY
|
12.36%
-2.1% YoY
|
9.75%
-1.9% YoY
|
Top 7% in tier |
| Non-Interest Income / Assets ? |
0.53%
+23.7% YoY
+54.0% QoQ
|
-0.04% |
0.56%
+0.3% YoY
|
0.84%
+34.2% YoY
|
0.65%
+0.6% YoY
|
72% |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 7%
in Micro
Why this stands out
Current:
24.50%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (0)
No concerns identified
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
93
93th pctile
Tier 1 Capital Ratio
Current: 24.50% · Tier avg: 8.85%
72
72th pctile
Non-Interest Income / Assets
Current: 0.53% · Tier avg: 0.56%
68
68th pctile
Net Interest Margin
Current: 4.19% · Tier avg: 3.85%
55
55th pctile
Total Loans
Current: $133.1M · Tier avg: $139.2M
52
52th pctile
Total Assets
Current: $202.1M · Tier avg: $217.5M
49
49th pctile
Total Deposits
Current: $161.3M · Tier avg: $183.7M
37
37th pctile
Loan-to-Deposit Ratio
Current: 82.53% · Tier avg: 74.53%
36
36th pctile
Delinquency Rate
Current: 0.75% · Tier avg: 0.64%
34
34th pctile
Nonperforming Asset Ratio
Current: 0.57% · Tier avg: 0.45%
22
22th pctile
Return on Assets
Current: 0.60% · Tier avg: 1.08%
20
20th pctile
Efficiency Ratio
Current: 80.77% · Tier avg: 67.73%
15
15th pctile
Non-Interest-Bearing Deposit Share
Current: 11.71% · Tier avg: 22.39%
Top Weaknesses
15
15th pctile
Non-Interest-Bearing Deposit Share
Current: 11.71% · Tier avg: 22.39%
20
20th pctile
Efficiency Ratio
Current: 80.77% · Tier avg: 67.73%
22
22th pctile
Return on Assets
Current: 0.60% · Tier avg: 1.08%
34
34th pctile
Nonperforming Asset Ratio
Current: 0.57% · Tier avg: 0.45%
36
36th pctile
Delinquency Rate
Current: 0.75% · Tier avg: 0.64%
37
37th pctile
Loan-to-Deposit Ratio
Current: 82.53% · Tier avg: 74.53%
49
49th pctile
Total Deposits
Current: $161.3M · Tier avg: $183.7M
52
52th pctile
Total Assets
Current: $202.1M · Tier avg: $217.5M
55
55th pctile
Total Loans
Current: $133.1M · Tier avg: $139.2M
68
68th pctile
Net Interest Margin
Current: 4.19% · Tier avg: 3.85%
72
72th pctile
Non-Interest Income / Assets
Current: 0.53% · Tier avg: 0.56%
93
93th pctile
Tier 1 Capital Ratio
Current: 24.50% · Tier avg: 8.85%