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Third Federal Savings and Loan Association of Cleveland
Cleveland, OH·FDIC Cert #30012·Charter: OCC·Est. 19380804.0·HC: THIRD FS&LA OF CLEVELAND MHC
Total Assets
$17.5B
Q4 2025
Return on Assets
0.51%
-0.00%Peer avg: 1.16%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
63.06%
Peer avg: 54.8%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
48
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.51%-0.00
ROE
5.16%+0.00
Efficiency
63.06%+1.06
Equity/Assets
0.00%+0.00
NPL Ratio
0.25%+0.00
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
149.49%+0.89
Charge-offs
-0.02%+0.00
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.5 | 0.4 | 0.4 | 0.5 | 0.5 | 0.5 | 0.5 | 0.5 |
| ROE | 4.6 | 4.5 | 4.3 | 4.5 | 4.8 | 4.8 | 5.2 | 5.2 |
| Efficiency | 67.2 | 66.9 | 67.1 | 66.1 | 63.4 | 63.6 | 62.0 | 63.1 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 |
| Charge-offs | -0.0 | -0.0 | -0.0 | -0.0 | -0.0 | -0.0 | -0.0 | -0.0 |
| Loan/Deposit | 150.9 | 149.6 | 148.6 | 148.0 | 146.2 | 148.9 | 148.6 | 149.5 |
Balance Sheet
Total Assets$17.5B
Total Deposits$10.5B
Total Loans$15.8B
Total Equity$1.7B
Profitability
ROA0.51%
ROE5.16%
Efficiency Ratio63.06%
Net Income$88.7M
Risk & Asset Quality
NPL Ratio0.25%
Charge-off Rate-0.02%
Loan/Deposit149.49%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans