THIRD FEDERAL SAVINGS AND LOAN ASSOCIATION OF CLEVELAND

CLEVELAND, OH · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1938FDIC #30,012

Satisfactory Up

Current rating · Exam: November 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.53%

Institution Profile

FDIC BankFind

Website

www.thirdfederal.com

Address

7007 Broadway Ave, CLEVELAND, OH

County

Cuyahoga County

Established

August 4, 1938

Total Assets

$17.5B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

November 20, 2023

Exam Type

Large Bank

Regulator

OCC (Office of the Comptroller of the Currency)

What is a CRA rating? →

Estimated next exam:Nov 2026(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$17.5B

Total Deposits

$10.3B

Net Loans

$15.7B

Net Income

$23M

ROA

0.53%

Below avg for Regional banks. Peer avg: 0.88%

ROE

5.38%

Risk-Based Capital

16.85%

Below avg for Regional banks. Regulatory min: 8%

Peer Comparison

Regional banks

Compared to the peer-bank Regional peer group (same asset tier).

ROA0.53%Peer avg: 0.88%▼ Below avg

Risk-Based Capital16.85%Peer avg: 30.04%▼ Below avg

Mortgage Denial Rate37.62%Peer avg: 26.91%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$10.5B

1-Year Change

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	43,869	50.05%	37.62%
2023	41,911	51.42%	35.73%
2022	49,320	61.34%	24.08%
2021	52,692	61.05%	20.01%
2020	50,982	54.53%	23.88%
2019	45,778	60.49%	24.47%
2018	44,404	62%	23.98%

2024 national avg denial rate: 23.75% · Regional bank avg: 26.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam Date	Rating	Exam Type
Nov 2023	Satisfactory	Large Bank
Feb 2020	Needs to Improve	Large Bank
Jan 2012	Satisfactory	Large Bank

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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