{"schema_version":"secwatch.filing_event.v1","accession":"0001381668-24-000015","form_type":"8-K","ticker":"TFSL","cik":"0001381668","company_name":"TFS Financial CORP","filed_at":"2024-01-30T23:59:59+00:00","discovered_at":"2026-05-14T18:03:24.006388+00:00","generated_at":"2026-06-06T14:50:15.378224+00:00","sec_items":["2.02","5.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"TFS Financial posts Q1 net income $20.7M, net interest margin compresses YoY; CRO retiring","bullets":["Net income $20.7M for Q1 FY2024; down from $22.2M YoY but up from $19.5M prior quarter.","Net interest income $69.1M (-8% YoY); net interest margin 1.68% vs 1.95% YoY.","Total assets $17.05B; deposits up $471M to $9.92B; loan originations $273M vs $618M YoY.","CRO Kathleen Danckers retiring June 2024; succeeded by Deborah Hand.","Expense-to-asset ratio improved to 1.17%; Tier 1 leverage ratio 10.78%."],"urls":{"canonical":"https://secwatch.observer/filing/0001381668-24-000015","json":"https://secwatch.observer/filing/0001381668-24-000015.json","markdown":"https://secwatch.observer/filing/0001381668-24-000015.md","text":"https://secwatch.observer/filing/0001381668-24-000015.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1381668/000138166824000015/0001381668-24-000015-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1381668/000138166824000015/tfsl-20240130.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-06T14:50:15.378224+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"4bf4873e948a5bedd08801947d0a336212ca56de","claim":"TFS Financial CORP reported the quarter ended December 31, 2023 results: net income $20.7 million.","evidence_excerpt":"On January 30, 2024 , TFS Financial Corporation (the \"Company\"), the holding company for Third Federal Savings and Loan Association of Cleveland (the \"Association\"), issued a press release announcing its operating results for the three months and fiscal year ended December 31, 2023.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1381668/000138166824000015/0001381668-24-000015-index.htm","confidence":1.0,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter ended December 31, 2023"},{"label":"Net income","value":"$20.7 million"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"2dc1ba235d","claim":"Deborah Hand was appointed as Chief Risk Officer at TFS Financial CORP.","evidence_excerpt":"Deborah Hand, who has been with the Association since 2008 and currently serves as Chief Credit Officer, will become the new Chief Risk Officer at that time.","evidence_source":"SEC 8-K Item 5.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1381668/000138166824000015/0001381668-24-000015-index.htm","confidence":0.95,"family_label":"Executive change","details":[{"label":"Action","value":"appointed"},{"label":"Role","value":"Chief Risk Officer"}],"fact_type":"executive_change"},{"claim_id":"f435b1748c","claim":"Kathleen (Kitty) M. Danckers departed as Chief Risk Officer at TFS Financial CORP.","evidence_excerpt":"Kathleen (Kitty) M. Danckers, the Chief Risk Officer for the Company, announced that she will be retiring from employment in June 2024.","evidence_source":"SEC 8-K Item 5.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1381668/000138166824000015/0001381668-24-000015-index.htm","confidence":0.95,"family_label":"Executive change","details":[{"label":"Action","value":"retiring"},{"label":"Role","value":"Chief Risk Officer"}],"fact_type":"executive_change"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}