Third Federal Savings & Loan Association of Cleveland: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Third Federal Savings & Loan Association of Cleveland of Cleveland, OH against its peer group of 134 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.69% | 1.35% | -0.66% | 10th bottom |
| ROAE | 6.86% | 12.31% | -5.45% | 16th bottom |
| Net Interest Margin | 1.87% | 3.69% | -1.82% | 4th bottom |
| Efficiency Ratio | 58.46% | 53.79% | +4.67% | 29th below |
| PPNR / Avg Assets | 0.81% | 1.96% | -1.15% | 4th bottom |
| Yield on Earning Assets | 4.72% | 5.57% | -0.85% | 14th bottom |
| Cost of Funds | 3.09% | 1.99% | +1.10% | 10th bottom |
| Net Interest Spread | 1.60% | 2.98% | -1.38% | 6th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.27% | 1.06% | -0.79% | 91st top |
| NPA / Total Assets | 0.25% | 0.76% | -0.51% | 85th top |
| NCO / Avg Loans | -0.02% | 0.36% | -0.38% | 97th top |
| ACL / Total Loans | 0.45% | 1.38% | -0.93% | 8th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 165.82% | 210.15% | -44.33% | 60th above |
| Texas Ratio | 2.48% | 10.27% | -7.79% | 85th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 15.73% | 14.74% | +0.99% | 84th top |
| Tier 1 Ratio | 15.73% | 14.86% | +0.87% | 84th top |
| Total Capital Ratio | 16.65% | 16.08% | +0.57% | 81st top |
| Leverage Ratio | 9.99% | 10.27% | -0.28% | 43rd below |
| Equity / Assets | 9.91% | 11.56% | -1.65% | 28th below |
| TCE / Tangible Assets | 9.80% | 9.48% | +0.32% | 59th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 159.75% | 83.54% | +76.21% | 1st bottom |
| Core Deposit Ratio | 77.93% | 86.80% | -8.87% | 14th bottom |
| Uninsured Deposit Ratio | 3.91% | 39.10% | -35.19% | 96th top |
| Wholesale Funding Ratio | 32.98% | 5.52% | +27.46% | 1st bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.03% | 10.11% | -6.08% | 40th below |
| Loan Growth (Y/Y) | 3.63% | 10.15% | -6.52% | 34th below |
| Deposit Growth (Y/Y) | -2.94% | 10.00% | -12.94% | 5th bottom |
See Third Federal Savings & Loan Association of Cleveland's peers by name
The 134 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Third Federal Savings & Loan Association of Cleveland, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Third Federal Savings & Loan Association of Cleveland profile, how to read a UBPR, or how this data updates.