Set oven rack to middle position and heat oven to 400-F. Grease muffin tins or line with muffin liners.
In a small bowl combine flour, sugar, salt, and baking powder.
In a measuring cup for wet ingredients, first add the oil, then add the egg. Next, add only enough milk to reach the 1-cup mark (the idea is to add only one cup of liquid to the dry ingredients). Add baking soda and stir to combine .
Fold in the blueberries and bananas.
Pour batter into muffin tins all the way to the top.
FOR TOPPING: Mix all the ingredients together. Sprinkle on the top of each muffin.
Sprinkle each muffin evenly with the topping (if using).
Bake for 15 minutes or until a toothpick inserted into the center comes out clean.
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