BlastPoint's Credit Union Scorecard
TIMBERLAND
Charter #21413 · PA
TIMBERLAND has 3 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 50.0% in tier
- + Organic Growth Engine: Top 50.0% in tier
- + Emerging Performer: Top 50.0% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 50.0% in tier
- - Margin Compression: Bottom 50.0% in tier
- - ROA 0.06% below tier average
- - Efficiency ratio 3.30% above tier (higher cost structure)
- - Total Assets: Bottom 1.4% in tier
- - Total Deposits: Bottom 4.2% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 62 that size in Pennsylvania.
- Shares and deposits +9.1% year over year ($91.1M in shares and deposits).
- Membership: 9,422 members, +1.6% vs a year ago.
- Delinquency rate 0.76%.
- Return on assets 0.81%.
- Efficiency ratio 80.03% vs a 76.73% peer average.
- Loan-to-share ratio 65.06% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,422
+1.6% YoY+1.0% QoQ
|
-5.7K |
15,168
-2.6% YoY
|
18,280
+5.8% YoY
|
34,678
+6.6% YoY
|
28% |
| Assets |
$102.0M
+8.7% YoY+1.5% QoQ
|
$-130.0M |
$232.0M
+0.7% YoY
|
$308.6M
+9.9% YoY
|
$593.1M
+10.2% YoY
|
Bottom 1.3% in tier |
| Loans |
$59.3M
+3.2% YoY+4.9% QoQ
|
$-87.0M |
$146.3M
+0.2% YoY
|
$207.1M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
Bottom 10.6% in tier |
| Deposits |
$91.1M
+9.1% YoY+1.4% QoQ
|
$-109.6M |
$200.7M
+0.2% YoY
|
$264.2M
+9.3% YoY
|
$504.8M
+10.3% YoY
|
Bottom 4.1% in tier |
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| ROA |
0.8%
-12.8% YoY+11.6% QoQ
|
-0.1% |
0.9%
+12.5% YoY
|
1.0%
+23.3% YoY
|
1.2%
+121.4% YoY
|
53% |
| NIM |
3.5%
-3.6% YoY+2.4% QoQ
|
-0.2% |
3.7%
+4.5% YoY
|
3.5%
+2.1% YoY
|
3.8%
+2.3% YoY
|
39% |
| Efficiency Ratio |
80.0%
+4.0% YoY-1.4% QoQ
|
+3.3% |
76.7%
-0.8% YoY
|
76.6%
-2.6% YoY
|
83.0%
-5.3% YoY
|
58% |
| Delinquency Rate |
0.8%
-19.7% YoY+8.4% QoQ
|
-0.1 |
0.9%
+6.6% YoY
|
1.2%
-8.4% YoY
|
1.3%
+2.6% YoY
|
54% |
| Loan To Share |
65.1%
-5.4% YoY+3.5% QoQ
|
-6.5% |
71.5%
-0.3% YoY
|
53.4%
-2.0% YoY
|
66.4%
-1.4% YoY
|
34% |
| AMR |
$15,964
+5.0% YoY+1.7% QoQ
|
$-9K |
$25,107
+3.2% YoY
|
$16,967
+3.7% YoY
|
$20,028
-0.9% YoY
|
Bottom 12.6% in tier |
| CD Concentration |
26.7%
+9.5% YoY+4.0% QoQ
|
+2.1% | 24.6% | 15.6% | 20.0% | 50% |
| Indirect Auto % |
14.8%
-50.4% YoY-15.9% QoQ
|
+1.2% | 13.6% | 8.4% | 7.7% | 50% |
Signature Analysis
Strengths (3)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (2)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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)