Woodruff Federal Savings and Loan Association: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Woodruff Federal Savings and Loan Association of Woodruff, SC against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.33% | 1.35% | -1.02% | 9th bottom |
| ROAE | 1.03% | 12.06% | -11.03% | 6th bottom |
| Net Interest Margin | 2.23% | 3.90% | -1.67% | 2nd bottom |
| Efficiency Ratio | 82.89% | 63.14% | +19.75% | 11th bottom |
| PPNR / Avg Assets | 0.37% | 1.64% | -1.27% | 6th bottom |
| Yield on Earning Assets | 4.50% | 5.65% | -1.15% | 9th bottom |
| Cost of Funds | 3.18% | 1.85% | +1.33% | 3rd bottom |
| Net Interest Spread | 1.32% | 3.35% | -2.03% | 1st bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.42% | 0.92% | -0.50% | 49th below |
| NPA / Total Assets | 0.27% | 0.67% | -0.40% | 54th above |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 1.07% | 1.28% | -0.21% | 34th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 252.71% | 1645.73% | -1393.02% | 55th above |
| Texas Ratio | 0.80% | 7.15% | -6.35% | 75th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 31.47% | 12.46% | +19.01% | 99th top |
| Equity / Assets | 32.35% | 11.66% | +20.69% | 99th top |
| TCE / Tangible Assets | 32.35% | 11.39% | +20.96% | 99th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 95.08% | 78.64% | +16.44% | 18th bottom |
| Core Deposit Ratio | 73.67% | 87.10% | -13.43% | 8th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.74% | 6.47% | +1.27% | 74th above |
| Loan Growth (Y/Y) | 2.68% | 7.64% | -4.96% | 35th below |
| Deposit Growth (Y/Y) | 11.68% | 6.02% | +5.66% | 87th top |
See Woodruff Federal Savings and Loan Association's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Woodruff Federal Savings and Loan Association, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Woodruff Federal Savings and Loan Association profile, how to read a UBPR, or how this data updates.