Our TFS Financial Health Grade is a composite score from 0 to 100, mapped to letter grades from A+ through F. It is inspired by the CAMELS framework used by federal bank examiners, adapted for consumer understanding.
Tier 1 and total capital ratios. Higher capital means more buffer against losses.
Non-performing loan ratio and net charge-offs. Lower is better — indicates healthier loan portfolio.
Return on assets (ROA), return on equity (ROE), net interest margin, and efficiency ratio.
CFPB complaints per billion in deposits and timely response rates.
Year-over-year asset and deposit growth. Moderate growth (3-15%) is optimal.
Loan-to-deposit ratio. Optimal range is 75-95%.
Community Reinvestment Act rating when available.
| Score | Grade | Meaning |
|---|---|---|
| 97-100 | A+ | Exceptional |
| 90-96 | A / A- | Excellent |
| 80-89 | B+ / B / B- | Good |
| 70-79 | C+ / C / C- | Average |
| 60-69 | D+ / D / D- | Below Average |
| 0-59 | F | Poor |
All financial data comes from the FDIC BankFind Suite API (quarterly filings) and NCUA Call Report data. Complaint data comes from the CFPB Consumer Complaint Database. All data is public, government-sourced, and updated on the schedule published by each agency.
TFS Financial Health Grades are statements of opinion — our editorial assessment based on publicly available government data and our proprietary methodology. Because grading involves judgment about which factors matter and how to weigh them, reasonable analysts reviewing the same data may disagree and reach different conclusions. The Grades are not statements of fact, official government or regulatory ratings, credit ratings, financial or investment advice, or a recommendation for or against any institution. They should not be relied upon as the basis for any financial decision; always verify information directly with the institution and the FDIC or NCUA, and consult a licensed professional. Our methodology is version 1 and will be refined over time as we incorporate additional data sources and feedback.