BlastPoint's Banking Scorecard
Third Federal Savings and Loan Association of Cleveland
Cleveland, OH
35 branches across OH · FL
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 139 banks in the $10B-$250B peer group nationwide — 1 of 4 in OH.
- Deposits -2.9% year over year ($10.2B on the books).
- Delinquency rate 0.25%.
- Return on assets 0.60%.
- Efficiency ratio 60.53% vs a 53.67% peer average.
- Loan-to-deposit ratio 159.03% vs a 82.61% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Third Federal Savings and Loan Association of Cleveland has 1 strength but faces 7 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 48.6% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 3.4% in tier
- - Credit Quality Pressure: Bottom 6.0% in tier
- - Return on Assets 0.78% below tier average
- - Net Interest Margin 2.07% below tier average
- - Loan-to-Deposit Ratio 76.42% above tier average
- - Non-Interest Income / Assets 0.43% below tier average
- - Efficiency Ratio 6.86% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$18.1B
+4.0% YoY
+3.4% QoQ
|
-$25.5B |
$43.6B
-13.8% YoY
|
$36.7B
+9.4% YoY
|
$6.3B
+7.7% YoY
|
33% |
| Total Loans ? |
$16.2B
+3.6% YoY
+2.8% QoQ
|
-$11.8B |
$28.0B
-8.6% YoY
|
$16.2B
+12.1% YoY
|
$3.2B
+9.4% YoY
|
50% |
| Total Deposits ? |
$10.2B
-2.9% YoY
-1.1% QoQ
|
-$25.2B |
$35.4B
-14.0% YoY
|
$26.4B
+7.6% YoY
|
$4.9B
+7.3% YoY
|
Bottom 12.2% in tier |
| Return on Assets ? |
0.60%
+26.0% YoY
+14.1% QoQ
|
-0.78% |
1.39%
+25.9% YoY
|
1.21%
+9.4% YoY
|
1.30%
+12.1% YoY
|
Bottom 7.2% in tier |
| Net Interest Margin ? |
1.85%
+5.9% YoY
+1.6% QoQ
|
-2.07% |
3.92%
+8.9% YoY
|
3.65%
+6.4% YoY
|
3.95%
+4.9% YoY
|
Bottom 4.3% in tier |
| Efficiency Ratio ? |
60.53%
-4.8% YoY
-3.5% QoQ
|
+6.86% |
53.67%
-1.9% YoY
|
70.70%
-3.8% YoY
|
70.05%
+2.5% YoY
|
27% |
| Delinquency Rate ? |
0.25%
+4.3% YoY
+5.5% QoQ
|
-0.77% |
1.01%
-2.8% YoY
|
0.68%
+23.3% YoY
|
0.98%
+16.3% YoY
|
Top 11.6% in tier |
| Loan-to-Deposit Ratio ? |
159.03%
+6.8% YoY
+4.0% QoQ
|
+76.42% |
82.61%
+3.1% YoY
|
79.88%
+0.7% YoY
|
79.03%
+2.3% YoY
|
Bottom 1.4% in tier |
| Non-Interest-Bearing Deposit Share ? |
2.07%
+30.8% YoY
+62.5% QoQ
|
-18.51% |
20.58%
+4.9% YoY
|
18.59%
+0.9% YoY
|
21.98%
-0.6% YoY
|
Bottom 12.2% in tier |
| Nonperforming Asset Ratio ? |
0.23%
+3.9% YoY
+4.5% QoQ
|
-0.50% |
0.73%
+5.8% YoY
|
0.46%
+23.9% YoY
|
0.69%
+15.8% YoY
|
Top 14.4% in tier |
| Tier 1 Capital Ratio ? |
15.73%
-4.7% YoY
-1.0% QoQ
|
+0.38% |
15.35%
-0.4% YoY
|
18.68%
-0.2% YoY
|
17.09%
+0.8% YoY
|
83% |
| Non-Interest Income / Assets ? |
0.06%
-5.2% YoY
+92.9% QoQ
|
-0.43% |
0.50%
+10.5% YoY
|
1.22%
+2.7% YoY
|
0.66%
+5.2% YoY
|
Bottom 7.2% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
2.1%
+0.5pp YoY +0.8pp QoQ |
-19.0pp | 21.0% | 18.8% | 22.2% | 10% |
| Brokered Deposits |
9.0%
-0.3pp YoY +0.7pp QoQ |
-0.2pp | 9.2% | 7.7% | 8.5% | 69% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I | n/a | n/a | 17.2% | 10.2% | 12.5% | n/a |
| CRE | n/a | n/a | 42.0% | 34.2% | 41.4% | n/a |
| 1-4 Family |
100.4%
0.0pp YoY 0.0pp QoQ |
+77.3pp | 23.1% | 50.0% | 31.3% | 99% |
| Consumer |
0.0%
0.0pp YoY 0.0pp QoQ |
-12.8pp | 12.9% | 4.7% | 5.0% | 7% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
15.7%
-0.8pp YoY -0.2pp QoQ |
+0.5pp | 15.3% | 22.1% | 19.7% | 83% |
| Leverage Ratio |
10.0%
-0.1pp YoY 0.0pp QoQ |
-0.4pp | 10.4% | 12.9% | 12.6% | 47% |
| Total Capital Ratio |
16.6%
-0.7pp YoY -0.2pp QoQ |
+0.1pp | 16.5% | 23.2% | 20.8% | 80% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
992
+39 (+4.1%) YoY +19 (+2.0%) QoQ |
-2,266 | 3,258 | 2,433 | 482 | 21% |
| Assets per Employee ($) |
$18.2M
-0.1% YoY +1.4% QoQ |
-$8.8M | $27.0M | $7.6M | $8.8M | 70% |
| Branch Count |
35
-2 (-5.4%) YoY -1 (-2.8%) QoQ |
-103 | 137 | 81 | 18 | 32% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.4% | 0.2% | 0.4% | n/a |
| Nonaccrual |
0.2%
0.0pp YoY 0.0pp QoQ |
-0.5pp | 0.7% | 0.6% | 1.0% | 14% |
| Allowance Coverage |
1.83x
-6.2% YoY -9.5% QoQ |
-0.98x | 2.81x | 18.95x | 20.23x | 52% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.4pp | 0.4% | 0.1% | 0.2% | 2% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
6.1%
+1.3pp YoY +0.8pp QoQ |
-6.5pp | 12.6% | 9.7% | 11.6% | 10% |
| Cost of Funds (YTD) |
2.9%
0.0pp YoY 0.0pp QoQ |
+0.9pp | 2.0% | 1.7% | 1.7% | 88% |
| Net Income ($, YTD) |
$53.4M
+29.7% YoY — QoQ |
-$243.4M | $296.8M | $259.3M | $40.4M | 7% |
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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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.