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
- NW 85/100
- DELQ 10.2%
- ROA 0.81%
- ASSETS 0.78%
- MEM $94.9M
- RANK 9,259
- PHOTO #2,003/4,374
- BOOK RIDGEDALE
- CHARTER 21413
Call Report peers
TIMBERLAND in the assets neighbourhood
TIMBERLAND's $94.9M assets sit next to RIDGEDALE ($94.9M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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
TIMBERLAND - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #21413. See our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for PA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for TIMBERLAND
TIMBERLAND: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +5.9% from $94.9M (2025Q4) to $100.5M (2026Q1).
- Net-worth ratio shifted -0.40 pp (10.56% → 10.16%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 85.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
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
TIMBERLAND's nationwide photo peers by assets and by health score, excluding Pennsylvania charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($94.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (85/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Pennsylvania credit unions compare overall before assuming this one is typical. Pennsylvania state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is TIMBERLAND financially healthy?
Yes/no aside, the number is 85/100 (Excellent) - TIMBERLAND's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,003 of 4,374; by total assets it ranks #1,865 of 4,374 nationally (same basis as /rankings/largest); and #89 of 275 within Pennsylvania. Above 80 reads excellent, below 50 warrants closer monitoring; a 10.16% net worth ratio and 0.81% delinquency rate are the key drivers.
How does TIMBERLAND compare to other credit unions?
85/100 is TIMBERLAND's score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like TIMBERLAND are 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."
What rates does TIMBERLAND offer compared to banks?
Credit unions like TIMBERLAND are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact TIMBERLAND directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.