BlastPoint's Banking Scorecard

Third Federal Savings and Loan Association of Cleveland

$10B-$250B Specialty: Mortgage OH FDIC cert 30012

Cleveland, OH

35 branches across OH · FL

135 banks in the $10B-$250B peer group nationally 4 in OH

Third Federal Savings and Loan Association of Cleveland has 1 strength but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Credit Quality Leader: Top 44.1% in tier

Key Concerns

Areas that may need attention

- Return on Assets 0.75% below tier average
- Net Interest Margin 1.94% below tier average
- Loan-to-Deposit Ratio 72.02% above tier average
- Non-Interest Income / Assets 0.19% below tier average
- Efficiency Ratio 8.80% above tier average

Get updates when Third Federal Savings and Loan Association of Cleveland releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Total Assets ?	$17.5B +2.2% YoY -0.1% QoQ	-$29.9B	$47.4B -2.0% YoY	$36.0B +10.6% YoY	$6.2B +9.0% YoY	31%
Total Loans ?	$15.7B +2.5% YoY -0.1% QoQ	-$13.9B	$29.6B -0.4% YoY	$15.8B +12.8% YoY	$3.2B +10.7% YoY	48%
Total Deposits ?	$10.3B -2.0% YoY -2.3% QoQ	-$28.4B	$38.7B -1.6% YoY	$26.1B +8.5% YoY	$4.8B +8.0% YoY	Bottom 9.6% in tier
Return on Assets ?	0.53% +11.0% YoY +3.3% QoQ	-0.75%	1.28% +19.3% YoY	1.13% +9.6% YoY	1.24% +13.1% YoY	Bottom 3.7% in tier
Net Interest Margin ?	1.82% +5.8% YoY +2.1% QoQ	-1.94%	3.77% +5.6% YoY	3.59% +7.5% YoY	3.89% +5.7% YoY	Bottom 4.4% in tier
Efficiency Ratio ?	62.70% -1.1% YoY -0.6% QoQ	+8.80%	53.90% -4.0% YoY	72.32% -4.0% YoY	66.84% -3.8% YoY	26%
Delinquency Rate ?	0.24% -2.1% YoY -4.7% QoQ	-0.79%	1.02% -4.1% YoY	0.66% +14.5% YoY	0.95% +18.8% YoY	Top 13.4% in tier
Loan-to-Deposit Ratio ?	152.90% +4.6% YoY +2.3% QoQ	+72.02%	80.88% +2.0% YoY	79.14% +0.8% YoY	76.69% +0.9% YoY	Bottom 0.7% in tier
Non-Interest-Bearing Deposit Share ?	1.28% -0.3% YoY -27.2% QoQ	-18.55%	19.82% +0.3% YoY	18.19% -0.4% YoY	22.01% -1.1% YoY	Bottom 14.8% in tier
Nonperforming Asset Ratio ?	0.22% +1.8% YoY -5.9% QoQ	-0.51%	0.73% +4.0% YoY	0.44% +14.5% YoY	0.66% +19.3% YoY	Top 14.8% in tier
Tier 1 Capital Ratio ?	15.89% -5.0% YoY +0.4% QoQ	+0.33%	15.56% -0.1% YoY	19.42% +3.1% YoY	17.06% +0.8% YoY	81%
Non-Interest Income / Assets ?	0.03% -5.4% YoY -76.4% QoQ	-0.19%	0.23% +0.9% YoY	0.57% -2.5% YoY	0.32% +4.0% YoY	Bottom 9.6% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth

#16 of 34 • Top 44.1% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.24%

(Tier: 1.02%, National: 0.95%)

better than tier avg

34 of 34 Large banks match · 922 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 135 peers in $10B-$250B

Top Strengths (3 metrics)

Delinquency Rate

credit_quality

Value: 0.24%

Peer Median: 1.02%

#19 of 134 Top 13.4% in $10B-$250B

Nonperforming Asset Ratio

credit_quality

Value: 0.22%

Peer Median: 0.73%

#21 of 135 Top 14.8% in $10B-$250B

Tier 1 Capital Ratio

capital

Value: 15.89%

Peer Median: 15.56%

#26 of 135 Top 18.5% in $10B-$250B

Top Weaknesses (6 metrics)

135

Loan-to-Deposit Ratio

liquidity

Value: 152.90%

Peer Median: 80.88%

#135 of 135 Bottom 0.7% in $10B-$250B

131

Return on Assets

profitability

Value: 0.53%

Peer Median: 1.28%

#131 of 135 Bottom 3.7% in $10B-$250B

130

Net Interest Margin

profitability

Value: 1.82%

Peer Median: 3.77%

#130 of 135 Bottom 4.4% in $10B-$250B

123

Non-Interest Income / Assets

revenue_mix

Value: 0.03%

Peer Median: 0.23%

#123 of 135 Bottom 9.6% in $10B-$250B

123

Total Deposits

size

Value: $10.30B

Peer Median: $38.75B

#123 of 135 Bottom 9.6% in $10B-$250B

116

Non-Interest-Bearing Deposit Share

funding

Value: 1.28%

Peer Median: 19.82%

#116 of 135 Bottom 14.8% in $10B-$250B