BlastPoint's Credit Union Scorecard
TIMBERLINE
Charter #11678 · AR
TIMBERLINE has 5 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.37% above tier average
- + Total Members: Top 0.8% in tier
- + Total Loans: Top 6.3% in tier
- + Total Assets: Top 7.6% in tier
- + Total Deposits: Top 8.5% in tier
Key Concerns
Areas that may need attention
- - ROA 1.36% below tier average
- - Efficiency ratio 12.46% above tier (higher cost structure)
- - Delinquency rate 0.77% above tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
10,941
+1.6% YoY+0.3% QoQ
|
+8.3K |
2,615
-1.9% YoY
|
7,878
+8.0% YoY
|
33,374
+5.7% YoY
|
Top 0.8% in tier |
| Assets |
$80.1M
-1.3% YoY-0.6% QoQ
|
+$49.9M |
$30.1M
+2.1% YoY
|
$108.7M
+13.0% YoY
|
$561.6M
+9.7% YoY
|
Top 7.7% in tier |
| Loans |
$48.6M
-6.8% YoY+1.7% QoQ
|
+$32.8M |
$15.8M
-1.3% YoY
|
$78.6M
+14.7% YoY
|
$397.0M
+8.8% YoY
|
Top 6.3% in tier |
| Deposits |
$66.7M
-1.9% YoY-0.5% QoQ
|
+$41.0M |
$25.7M
+1.4% YoY
|
$88.8M
+14.2% YoY
|
$477.3M
+9.7% YoY
|
Top 8.5% in tier |
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| ROA |
-0.7%
-1638.3% YoY-7.4% QoQ
|
-1.4% |
0.6%
+10.8% YoY
|
-0.1%
-109.5% YoY
|
0.7%
+15.9% YoY
|
Bottom 7.2% in tier |
| NIM |
4.3%
+4.1% YoY+1.5% QoQ
|
+0.4% |
4.0%
+4.0% YoY
|
4.2%
+0.9% YoY
|
3.8%
+5.1% YoY
|
68% |
| Efficiency Ratio |
95.0%
+0.7% YoY+1.1% QoQ
|
+12.5% |
82.6%
-2.3% YoY
|
86.1%
+2.0% YoY
|
79.7%
-3.3% YoY
|
83% |
| Delinquency Rate |
2.3%
-1.2% YoY+1.2% QoQ
|
+0.8 |
1.6%
-3.1% YoY
|
1.8%
+15.7% YoY
|
1.3%
-2.1% YoY
|
82% |
| Loan To Share |
72.8%
-5.1% YoY+2.2% QoQ
|
+12.2% |
60.6%
-3.1% YoY
|
73.6%
-2.9% YoY
|
67.4%
-1.7% YoY
|
68% |
| AMR |
$10,539
-5.5% YoY+0.1% QoQ
|
$-4K |
$14,783
-1.4% YoY
|
$12,676
+2.7% YoY
|
$19,687
+2.0% YoY
|
31% |
| CD Concentration |
9.6%
-13.3% YoY-0.8% QoQ
|
-14.8% | 24.4% | 15.6% | 19.8% | 50% |
| Indirect Auto % |
0.0%
-87.7% YoY-48.8% QoQ
|
-13.8% | 13.8% | 2.5% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)