Federal credit union · DUBOIS, Pennsylvania · NCUA charter #21413
TIMBERLAND
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $94.9M
- Total assets
- 9,259
- Members
- 10.2%
- Net-worth ratio
TIMBERLAND scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $94.9M; members 9,259; net-worth ratio 10.16%; health rank #2,003 of 4,374; healthier than 54th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,003 of 4,374 health · 2025Q4TIMBERLAND · health 85/100 · $94.9M · 2025Q4
Call Report peers
TIMBERLAND in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
TIMBERLAND vs every NCUA-scored credit union
TIMBERLAND sits in the busiest band, 85-89, alongside 857 other credit unions.
85 Top 46% higher than 54% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Where TIMBERLAND diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 67.45% vs peer 62.60% (+4.85 pp).
- Net Worth Ratio trails the peer set - 10.16% here, 13.62% peer average (-3.46 pp).
Pennsylvania standing for TIMBERLAND
- In Pennsylvania, health place is #94 of 275 on the same NCUA-ratio sort used nationally.
- Pennsylvania assets place: #89 of 275.
- Member book place in Pennsylvania: #73 of 275.
- One place up in Pennsylvania, Susquehanna Valley (#93) ties at 85/100; one place down, C-B-W Schools (#95) scores 84/100, 1 point lower.
Quarter path for TIMBERLAND
TIMBERLAND: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +5.9% from $94.9M (2025Q4) to $100.5M (2026Q1).
- Net-worth ratio shifted -0.40 pp (10.56% → 10.16%).
This credit union's 10.16% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 85/100 score is built
TIMBERLAND gives up 15 points in total. Member Growth costs the most, 11.7 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 21.9 pts
- Return on Assets 15.0 pts
- Member Growth 3.3 pts
- Loan-to-Share Ratio 14.8 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.16% | -3.46 pp |
| Delinquency Rate | 0.81% | -0.15 pp |
| Return on Assets | 0.78% | +0.12 pp |
| Member Growth | -3.19% | - |
| Loan-to-Share Ratio | 67.45% | +4.85 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
TIMBERLAND quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $100.5M | - |
| 2025Q4 | $94.9M | 9,259 |
| 2024Q4 | $89.2M | 9,564 |
| 2023Q4 | $83.4M | 9,317 |
Credit Union Details
- Charter Number
- 21413
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Pennsylvania
- City
- DUBOIS
- Data Quarter
- 2025Q4
Branch Locations (4)
TIMBERLAND operates 4 offices across 4 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| DuBois Office (Main Office) | DuBois, PA |
| Clearfield Office | Clearfield, PA |
| Philipsburg Office | Philipsburg, PA |
| Pleasant Gap | Pleasant Gap, PA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Pennsylvania
Other federally-insured credit unions in Pennsylvania, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Using this data
- TIMBERLAND ranks #2,003 of 4,374 nationally on financial health and #94 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- First Choice is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with First Choice
Frequently Asked Questions
Is TIMBERLAND financially healthy?
On its 2025Q4 NCUA 5300 filing, TIMBERLAND scores 85/100 (Excellent), with a 10.16% net worth ratio and 0.81% of loans delinquent. It ranks #2,003 of 4,374 nationally on health and #94 of 275 in Pennsylvania.
How does TIMBERLAND compare to other credit unions?
TIMBERLAND scores 85/100, higher than 54% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (67.45% vs 62.60%). Its widest shortfall is net worth ratio (10.16% vs 13.62%).
How can I join TIMBERLAND?
TIMBERLAND operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact TIMBERLAND directly for the exact boundaries and application steps.
Is my money safe at TIMBERLAND?
TIMBERLAND is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. TIMBERLAND's net worth ratio of 10.16% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.