Headquartered in Cleveland, Ohio, Third Federal Savings and Loan Association of Cleveland is a savings bank with $18.1B in total assets and $10.2B in deposits as of Q2 2026. It operates 35 offices across 2 states. Its charter dates back to 1938.
Based on its Q2 2026 filing, Third Federal Savings and Loan Association of Cleveland scores 64/100, which we describe as moderate. That is higher than only 46% of 132 banks with $10 billion – $100 billion. Among 157 banks headquartered in Ohio, it ranks 107th. Its strongest component is problem-loan coverage (96/100; 2.2%), and its lowest is earnings (44/100; 0.60%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (63 → 64).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 63 |
| Q3 2024 | 63 |
| Q4 2024 | 63 |
| Q1 2025 | 63 |
| Q2 2025 | 63 |
| Q3 2025 | 64 |
| Q4 2025 | 63 |
| Q1 2026 | 63 |
| Q2 2026 | 64 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.96% |
| Q3 2024 | 10.11% |
| Q4 2024 | 9.96% |
| Q1 2025 | 10.04% |
| Q2 2025 | 10.10% |
| Q3 2025 | 10.11% |
| Q4 2025 | 9.81% |
| Q1 2026 | 9.94% |
| Q2 2026 | 9.99% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.23% |
| Q3 2024 | 0.22% |
| Q4 2024 | 0.24% |
| Q1 2025 | 0.24% |
| Q2 2025 | 0.24% |
| Q3 2025 | 0.25% |
| Q4 2025 | 0.25% |
| Q1 2026 | 0.23% |
| Q2 2026 | 0.25% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.45% |
| Q3 2024 | 0.43% |
| Q4 2024 | 0.45% |
| Q1 2025 | 0.48% |
| Q2 2025 | 0.48% |
| Q3 2025 | 0.52% |
| Q4 2025 | 0.51% |
| Q1 2026 | 0.53% |
| Q2 2026 | 0.60% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 64 | $18.1B | 9.99% | 0.25% | 0.60% | 159.0% |
| Q1 2026 | 63 | $17.5B | 9.94% | 0.23% | 0.53% | 152.9% |
| Q4 2025 | 63 | $17.5B | 9.81% | 0.25% | 0.51% | 149.5% |
| Q3 2025 | 64 | $17.4B | 10.11% | 0.25% | 0.52% | 148.6% |
| Q2 2025 | 63 | $17.4B | 10.10% | 0.24% | 0.48% | 148.9% |
| Q1 2025 | 63 | $17.1B | 10.04% | 0.24% | 0.48% | 146.2% |
| Q4 2024 | 63 | $17.0B | 9.96% | 0.24% | 0.45% | 148.0% |
| Q3 2024 | 63 | $17.1B | 10.11% | 0.22% | 0.43% | 148.6% |
| Q2 2024 | 63 | $17.0B | 9.96% | 0.23% | 0.45% | 149.6% |
132 peers · $10 billion – $100 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Ohio
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Financial BankBank Cincinnati, OH | 68 out of 100, Moderate | $22.4B | 9.8% | 0.70% | vs |
| The Park National BankBank Newark, OH | 72 out of 100, Strong | $12.6B | 10.3% | 0.86% | vs |
Deposit insurance
Is my money safe at Third Federal Savings and Loan Association of Cleveland?
Yes. Third Federal Savings and Loan Association of Cleveland is an FDIC-insured institution (FDIC certificate #30012). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 3.9% of deposits ($398.5M) are above the $250,000 FDIC insurance limit, below the peer median of 38%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.99%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.65% (benchmark: 10%).
35 locations
Branches
Third Federal Savings and Loan Association of Cleveland lists 35 offices in 32 cities across 2 states. Most locations:
- Cleveland, OH (3)
- Parma, OH (2)
- Avon, OH (1)
- Boca Raton, FL (1)
- Brecksville, OH (1)
- Brunswick, OH (1)
- Clearwater, FL (1)
- Coral Springs, FL (1)
- Cuyahoga Falls, OH (1)
- Delray Beach, FL (1)
- Euclid, OH (1)
- Fairlawn, OH (1)
HMDA 2025
Mortgage lending
In 2025, Third Federal Savings and Loan Association of Cleveland reported 37,782 home-loan applications under HMDA (LEI 5493008CPTDVOS570626): 21,298 originated ($3,409,620,000 total), 12,275 denied, and 3,167 withdrawn or closed by the applicant. Its denial rate on decided applications was 35.5%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Third Federal Savings and Loan Association of Cleveland
- Former names
- Third Federal Savings and Loan Association
- Type
- Savings bank
- FDIC certificate #
- 30012
- RSSD ID
- 915878
- Primary regulator
- OCC
- Holding company
- Third Fs&la of Cleveland Mhc
- Established
- August 4, 1938
- Headquarters
- 7007 Broadway Ave, Cleveland, OH 44105
- Website
- www.thirdfederal.com
- Employees
- 992
Quick answers
Third Federal Savings and Loan Association of Cleveland: common questions
Is Third Federal Savings and Loan Association of Cleveland FDIC insured?
Yes. Third Federal Savings and Loan Association of Cleveland is an FDIC-insured institution (FDIC certificate #30012). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Third Federal Savings and Loan Association of Cleveland's TellerScore?
64 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Third Federal Savings and Loan Association of Cleveland ever failed?
There is no failure record for FDIC certificate #30012 in the FDIC failed bank list.
How many branches does Third Federal Savings and Loan Association of Cleveland have?
35 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Cleveland
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Credit First National AssociationBank Brook Park, OH | 94 out of 100, Very strong | $39.8M | 98.3% | 0.00% | vs |
| Wiremen'S Credit UnionCredit union Parma, OH | 92 out of 100, Very strong | $40.6M | 17.0% | 0.11% | vs |
| Lormet Community Federal Credit UnionCredit union Amherst, OH | 91 out of 100, Very strong | $283.3M | 13.7% | 0.15% | vs |
| Solon/Chagrin Falls Federal Credit UnionCredit union Solon, OH | 90 out of 100, Very strong | $9.6M | 19.8% | 0.04% | vs |
| Cleveland Selfreliance Federal Credit UnionCredit union Parma, OH | 88 out of 100, Very strong | $113.7M | 17.3% | 0.01% | vs |
| Acme Federal Credit UnionCredit union Eastlake, OH | 88 out of 100, Very strong | $15.2M | 18.9% | 0.18% | vs |