BlastPoint's Banking Scorecard
Third Federal Savings and Loan Association of Cleveland
Mid-Market
Specialty: Mortgage
OH
FDIC cert 30012
Cleveland, OH
201
banks in Mid-Market tier nationally
5 in OH
View Mid-Market leaderboard (OH) →
Third Federal Savings and Loan Association of Cleveland has 2 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 24% in Mid-Market
- + Loan-to-Deposit Ratio 64.01% above tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 6% in Mid-Market
- - Credit Quality Pressure: Bottom 7% in Mid-Market
- - Net Interest Margin 1.61% below tier
- - Non-Interest-Bearing Deposit Share 18.89% below tier
- - Non-Interest Income / Assets 0.82% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$17.5B
+2.6% YoY
+0.3% QoQ
|
+$7.0B |
$10.5B
+2.9% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
Top 13% in tier |
| Total Loans ? |
$15.8B
+2.7% YoY
+0.2% QoQ
|
+$8.6B |
$7.1B
+4.5% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
Top 3% in tier |
| Total Deposits ? |
$10.5B
+1.6% YoY
-0.4% QoQ
|
+$2.0B |
$8.5B
+3.0% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
75% |
| Return on Assets ? |
0.51%
+13.8% YoY
-0.7% QoQ
|
-0.65% |
1.16%
+9.4% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
Bottom 14% in tier |
| Net Interest Margin ? |
1.79%
+7.9% YoY
+0.4% QoQ
|
-1.61% |
3.40%
+7.9% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
Bottom 6% in tier |
| Efficiency Ratio ? |
63.06%
-4.7% YoY
+1.7% QoQ
|
+6.46% |
56.60%
-3.2% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
28% |
| Delinquency Rate ? |
0.25%
+3.9% YoY
+0.5% QoQ
|
-0.44% |
0.68%
+12.0% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
80% |
| Loan-to-Deposit Ratio ? |
149.49%
+1.0% YoY
+0.6% QoQ
|
+64.01% |
85.47%
+1.1% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
Top 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
1.75%
-0.8% YoY
+25.6% QoQ
|
-18.89% |
20.64%
-0.3% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
Bottom 6% in tier |
| Nonperforming Asset Ratio ? |
0.23%
+9.3% YoY
+0.5% QoQ
|
-0.26% |
0.50%
+7.3% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
76% |
| Tier 1 Capital Ratio ? |
15.82%
-5.5% YoY
-4.3% QoQ
|
+2.27% |
13.55%
+1.8% YoY
|
9.14%
+0.8% YoY
|
9.75%
-1.9% YoY
|
Top 13% in tier |
| Non-Interest Income / Assets ? |
0.14%
+18.1% YoY
+35.6% QoQ
|
-0.82% |
0.96%
+7.1% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
Bottom 5% in tier |
Signature Analysis
Strengths (2)
Credit Quality Leader
growth
#13 of 50 · Top 24% in Mid-Market
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.25%
(Tier: 0.68%, National: 0.66%)
50 of 50 Mid-Market banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Loan-to-Deposit Ratio
metric
Top 1%
in Mid-Market
Why this stands out
Current:
149.49%
(Tier avg: 85.47%, National avg: 78.04%)
Concerns (5)
Credit Risk Growth
risk
#6 of 87 · Bottom 6% in Mid-Market
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
87 of 87 Mid-Market banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank declining
Credit Quality Pressure
risk
#9 of 113 · Bottom 7% in Mid-Market
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.25%
(Tier: 0.68%, National: 0.66%)
113 of 113 Mid-Market banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank improving
Net Interest Margin
metric
Bottom 6%
in Mid-Market
Why this stands out
Current:
1.79%
(Tier avg: 3.40%, National avg: 3.75%)
Non-Interest-Bearing Deposit Share
metric
Bottom 6%
in Mid-Market
Why this stands out
Current:
1.75%
(Tier avg: 20.64%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Bottom 5%
in Mid-Market
Why this stands out
Current:
0.14%
(Tier avg: 0.96%, National avg: 0.65%)
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
99
99th pctile
Loan-to-Deposit Ratio
Current: 149.49% · Tier avg: 85.47%
97
97th pctile
Total Loans
Current: $15.8B · Tier avg: $7.1B
87
87th pctile
Tier 1 Capital Ratio
Current: 15.82% · Tier avg: 13.55%
87
87th pctile
Total Assets
Current: $17.5B · Tier avg: $10.5B
80
80th pctile
Delinquency Rate
Current: 0.25% · Tier avg: 0.68%
76
76th pctile
Nonperforming Asset Ratio
Current: 0.23% · Tier avg: 0.50%
75
75th pctile
Total Deposits
Current: $10.5B · Tier avg: $8.5B
28
28th pctile
Efficiency Ratio
Current: 63.06% · Tier avg: 56.60%
14
14th pctile
Return on Assets
Current: 0.51% · Tier avg: 1.16%
6
6th pctile
Net Interest Margin
Current: 1.79% · Tier avg: 3.40%
6
6th pctile
Non-Interest-Bearing Deposit Share
Current: 1.75% · Tier avg: 20.64%
5
5th pctile
Non-Interest Income / Assets
Current: 0.14% · Tier avg: 0.96%
Top Weaknesses
5
5th pctile
Non-Interest Income / Assets
Current: 0.14% · Tier avg: 0.96%
6
6th pctile
Non-Interest-Bearing Deposit Share
Current: 1.75% · Tier avg: 20.64%
6
6th pctile
Net Interest Margin
Current: 1.79% · Tier avg: 3.40%
14
14th pctile
Return on Assets
Current: 0.51% · Tier avg: 1.16%
28
28th pctile
Efficiency Ratio
Current: 63.06% · Tier avg: 56.60%
75
75th pctile
Total Deposits
Current: $10.5B · Tier avg: $8.5B
76
76th pctile
Nonperforming Asset Ratio
Current: 0.23% · Tier avg: 0.50%
80
80th pctile
Delinquency Rate
Current: 0.25% · Tier avg: 0.68%
87
87th pctile
Total Assets
Current: $17.5B · Tier avg: $10.5B
87
87th pctile
Tier 1 Capital Ratio
Current: 15.82% · Tier avg: 13.55%
97
97th pctile
Total Loans
Current: $15.8B · Tier avg: $7.1B
99
99th pctile
Loan-to-Deposit Ratio
Current: 149.49% · Tier avg: 85.47%