TIMBERLAND
Charter #21413 · DUBOIS, PA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- On Net interest margin, the asset-size band puts this credit union at the 42nd percentile but its structural peers at the 26th — a 15-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | TIMBERLAND | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $100.52M | 0th pct | 11th pct |
| Members | 9,325 | 27th pct | 33th pct |
| Net worth ratio | 10.16% | 30th pct | 28th pct |
| Return on average assets | 0.74% | 54th pct | 54th pct |
| Net interest margin | 3.53% | 42th pct | 26th pct |
| Cost of funds | 1.36% | 58th pct | 69th pct |
| Loan-to-share | 62.87% | 32th pct | 39th pct |
| Delinquency 60+ days | 0.70% | 57th pct | 57th pct |
| Net charge-off ratio | 0.43% | 56th pct | 49th pct |
| Loan growth YoY | -1.59% | 29th pct | 30th pct |
| Share growth YoY | 8.19% | 93th pct | 85th pct |
| Efficiency ratio | 81.15% | 59th pct | 61th pct |
structural peer set hash: 7c2c80edb98412b13678e93eb3eb754c… (reproducible)
Closest structural peers
This is the free public view
Claim TIMBERLAND
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.