BlastPoint's Banking Scorecard
Slovenian Savings and Loan Association of Franklin-Conemaugh
Micro
Specialty: Mortgage
PA
FDIC cert 31994
Designations: ✓ Community bank ✓ Mutual
Conemaugh, PA
2498
banks in Micro tier nationally
44 in PA
View Micro leaderboard (PA) →
Slovenian Savings and Loan Association of Franklin-Conemaugh faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 1.29% below tier
- - Net Interest Margin 1.82% below tier
- - Efficiency Ratio 39.53% above tier
- - Non-Interest-Bearing Deposit Share 20.38% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$178.9M
+3.5% YoY
-0.4% QoQ
|
-$38.6M |
$217.5M
+2.3% YoY
|
$3.0B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
45% |
| Total Loans ? |
$117.9M
+6.8% YoY
+2.5% QoQ
|
-$21.3M |
$139.2M
+2.8% YoY
|
$2.2B
+7.9% YoY
|
$3.1B
+8.5% YoY
|
49% |
| Total Deposits ? |
$164.2M
+4.8% YoY
+0.5% QoQ
|
-$19.5M |
$183.7M
+1.8% YoY
|
$2.5B
+6.7% YoY
|
$4.7B
+6.3% YoY
|
49% |
| Return on Assets ? |
-0.21%
-6.7% YoY
-220.4% QoQ
|
-1.29% |
1.08%
+14.7% YoY
|
0.80%
+34.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 5% in tier |
| Net Interest Margin ? |
2.03%
+17.8% YoY
+2.0% QoQ
|
-1.82% |
3.85%
+6.6% YoY
|
3.23%
+9.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 2% in tier |
| Efficiency Ratio ? |
107.26%
-4.5% YoY
+4.1% QoQ
|
+39.53% |
67.73%
-4.8% YoY
|
70.08%
-6.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 3% in tier |
| Delinquency Rate ? |
1.06%
+56.8% YoY
+11.8% QoQ
|
+0.42% |
0.64%
+24.4% YoY
|
0.65%
+5.6% YoY
|
0.66%
+20.3% YoY
|
28% |
| Loan-to-Deposit Ratio ? |
71.78%
+1.9% YoY
+2.0% QoQ
|
-2.74% |
74.53%
+0.5% YoY
|
84.39%
-0.1% YoY
|
78.04%
+0.7% YoY
|
58% |
| Non-Interest-Bearing Deposit Share ? |
2.02%
-7.2% YoY
-1.8% QoQ
|
-20.38% |
22.39%
-1.3% YoY
|
17.53%
+0.3% YoY
|
21.79%
-1.3% YoY
|
Bottom 3% in tier |
| Nonperforming Asset Ratio ? |
0.70%
+61.8% YoY
+15.0% QoQ
|
+0.25% |
0.45%
+25.1% YoY
|
0.48%
+10.7% YoY
|
0.48%
+20.8% YoY
|
28% |
| 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 ? |
0.38%
-1.2% YoY
+34.2% QoQ
|
-0.18% |
0.56%
+0.3% YoY
|
0.53%
+5.0% YoY
|
0.65%
+0.6% YoY
|
53% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (4)
Return on Assets
metric
Bottom 5%
in Micro
Why this stands out
Current:
-0.21%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 2%
in Micro
Why this stands out
Current:
2.03%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 3%
in Micro
Why this stands out
Current:
107.26%
(Tier avg: 67.73%, National avg: 65.09%)
Non-Interest-Bearing Deposit Share
metric
Bottom 3%
in Micro
Why this stands out
Current:
2.02%
(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
58
58th pctile
Loan-to-Deposit Ratio
Current: 71.78% · Tier avg: 74.53%
53
53th pctile
Non-Interest Income / Assets
Current: 0.38% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
49
49th pctile
Total Deposits
Current: $164.2M · Tier avg: $183.7M
49
49th pctile
Total Loans
Current: $117.9M · Tier avg: $139.2M
45
45th pctile
Total Assets
Current: $178.9M · Tier avg: $217.5M
28
28th pctile
Nonperforming Asset Ratio
Current: 0.70% · Tier avg: 0.45%
28
28th pctile
Delinquency Rate
Current: 1.06% · Tier avg: 0.64%
5
5th pctile
Return on Assets
Current: -0.21% · Tier avg: 1.08%
3
3th pctile
Efficiency Ratio
Current: 107.26% · Tier avg: 67.73%
3
3th pctile
Non-Interest-Bearing Deposit Share
Current: 2.02% · Tier avg: 22.39%
2
2th pctile
Net Interest Margin
Current: 2.03% · Tier avg: 3.85%
Top Weaknesses
2
2th pctile
Net Interest Margin
Current: 2.03% · Tier avg: 3.85%
3
3th pctile
Non-Interest-Bearing Deposit Share
Current: 2.02% · Tier avg: 22.39%
3
3th pctile
Efficiency Ratio
Current: 107.26% · Tier avg: 67.73%
5
5th pctile
Return on Assets
Current: -0.21% · Tier avg: 1.08%
28
28th pctile
Delinquency Rate
Current: 1.06% · Tier avg: 0.64%
28
28th pctile
Nonperforming Asset Ratio
Current: 0.70% · Tier avg: 0.45%
45
45th pctile
Total Assets
Current: $178.9M · Tier avg: $217.5M
49
49th pctile
Total Loans
Current: $117.9M · Tier avg: $139.2M
49
49th pctile
Total Deposits
Current: $164.2M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
53
53th pctile
Non-Interest Income / Assets
Current: 0.38% · Tier avg: 0.56%
58
58th pctile
Loan-to-Deposit Ratio
Current: 71.78% · Tier avg: 74.53%