Federal credit union · Crossett, Arkansas · NCUA charter #11678
TIMBERLINE
Health score 73/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 73
- Health / 100
- $80.1M
- Total assets
- 10,941
- Members
- 19.6%
- Net-worth ratio
TIMBERLINE scores 73/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $80.1M; members 10,941; net-worth ratio 19.59%; health rank #3,384 of 4,374; healthier than 21st of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,384 of 4,374 health · 2025Q4TIMBERLINE · health 73/100 · $80.1M · 2025Q4
- MEM 73/100
- RANK 19.6%
- PHOTO 2.32%
- BOOK 0.05%
- CHARTER $80.1M
- NCUSIF 10,941
- CAMELS #3,384/4,374
- HEALTH Credit Union of Vermont
- NW 11678
Call Report peers
TIMBERLINE in the assets neighbourhood
TIMBERLINE's $80.1M assets sit next to Credit Union of Vermont ($80.1M) 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.
TIMBERLINE 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
73 21st percentile higher than 21% 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
TIMBERLINE - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #11678: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
TIMBERLINE: Call Report deltas vs peers
- Strongest edge vs 584 $50M–$100M peers is Loan-to-Share Ratio: +10.24 pp (72.84% vs 62.60%).
- Largest lag: Delinquency Rate at 2.32% vs peer 0.96% (+1.36 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Arkansas standing for TIMBERLINE
- Arkansas health ordinal: #36 of 48.
- Arkansas assets place: #9 of 48.
- Membership ranks #6 of 48 among Arkansas CUs with a reported count (10,941 members).
In-state ordinals use the live credit_unions table for AR only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for TIMBERLINE
TIMBERLINE: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.8% from $80.1M (2025Q4) to $80.7M (2026Q1).
- Net-worth ratio shifted -0.41 pp (20.00% → 19.59%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 19.59%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 73/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 73.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 10.5 pts
- Return on Assets 6.7 pts
- Member Growth 10.9 pts
- Loan-to-Share Ratio 14.9 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 19.59% | +5.97 pp |
| Delinquency Rate | 2.32% | +1.36 pp |
| Return on Assets | 0.05% | -0.61 pp |
| Member Growth | 1.56% | - |
| Loan-to-Share Ratio | 72.84% | +10.24 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).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $80.7M | - |
| 2025Q4 | $80.1M | 10,941 |
| 2024Q4 | $81.2M | 10,773 |
| 2023Q4 | $81.8M | 10,819 |
Credit Union Details
- Charter Number
- 11678
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Arkansas
- City
- Crossett
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for TIMBERLINE, spread across 3 cities.
| Office | City |
|---|---|
| Timberline Federal Credit Union (Main Office) | Crossett, AR |
| Timberline Federal Credit Union - Fordyce Branch | Fordyce, AR |
| Timberline Federal Credit Union - Hamburg Branch | Hamburg, AR |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Arkansas
More federally-insured credit unions based in Arkansas, ordered by peer group match and asset size.
Cross-state Call Report peers for TIMBERLINE
Cross-state asset and health neighbours for TIMBERLINE - kept outside Arkansas; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($80.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (73/100 here).
Using this data
- TIMBERLINE ranks #3,384 of 4,374 nationally on financial health and #36 of 48 in AR -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Diamond Lakes is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Diamond Lakes
- Rates and health both vary by institution, not just by state -- see how Arkansas credit unions compare overall before assuming this one is typical. Arkansas 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 TIMBERLINE financially healthy?
TIMBERLINE scores 73/100 (Very Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,384 of 4,374; by total assets it ranks #2,014 of 4,374 nationally (same basis as /rankings/largest); and #9 of 48 within Arkansas. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 19.59% net worth ratio and a 2.32% delinquency rate.
How does TIMBERLINE compare to other credit unions?
Five weighted metrics from NCUA filings produce TIMBERLINE's 73/100 score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (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 TIMBERLINE?
TIMBERLINE 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 TIMBERLINE directly for the exact boundaries and application steps.
Is my money safe at TIMBERLINE?
Federal credit unions like TIMBERLINE 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. TIMBERLINE's net worth ratio of 19.59% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does TIMBERLINE offer compared to banks?
Credit unions like TIMBERLINE 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 TIMBERLINE 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.