# TIMBERLAND
DUBOIS, PA · NCUA charter 21413 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/timberland-21413

Who the members are: federal charter, community charter, organized 1973, low-income designated. 9,325 members of 188,923 potential (4.9% of the field); checking penetration 59% (share draft accounts per 100 members); loans per 100 members 53.

**Verdict on the desk:** this could be *ordinary*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $100.5M |
| Members | 9,325 (0.7% YoY) |
| Full-time staff | 25 |
| Net worth | $10.2M |
| Net worth ratio | 10.2% (p29 of band) |
| ROA (annualized) | 0.72% (p52 of band) |
| Total delinquency | 0.70% (p56 of band) |
| Net charge-offs (annualized) | 0.43% (p59 of band) |
| Loans / shares | 63% (p37 of band) |
| Cash / assets | 37.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.43% (p35 of band) |
| Operating expense / assets | 4.08% (p64 of band) |
| Vehicles % of loans | 59% (p84 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 30% |
| Third-party paper % of net worth | 97% (p69 of band) |
| Vehicle delinquency | 1.02% (p72 of band) |
| Vehicle NCO | 1.26% (p80 of band) |
| Repossessed % of vehicle book | 0.05% (p73 of band) |
| Real estate % of loans | 24% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 14% |
| Commercial % of net worth | 1% |
| Core shares % of member funds | 64% |
| Certificates % of member funds | 26% |
| Average share balance | $4,566 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 53% |
| Loans granted per 100 members, annualized | 15% |
| Average loan balance | $11,364 |
| Loans granted, annualized | $21.9M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | delinquency 2x band |  |
| 2016-06 | 2 | 3rd-party paper>100% NW |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 1 |  | delinquency 2x band |
| 2017-03 | 3 | delinquency 2x band, members leaving |  |
| 2017-06 | 2 |  | delinquency 2x band |
| 2017-09 | 1 |  | members leaving |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | delinquency 2x band |  |
| 2018-06 | 1 |  | delinquency 2x band |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 3 | net worth falling, auto monoline |  |
| 2019-09 | 3 | delinquency 2x band | net worth falling |
| 2019-12 | 3 |  |  |
| 2020-03 | 5 | net worth falling, delinquency rising |  |
| 2020-06 | 6 | thin capital, members leaving | delinquency rising |
| 2020-09 | 6 |  |  |
| 2020-12 | 5 |  | members leaving |
| 2021-03 | 6 | charge-offs p90 |  |
| 2021-06 | 5 |  | net worth falling |
| 2021-09 | 5 |  |  |
| 2021-12 | 5 | members leaving | charge-offs p90 |
| 2022-03 | 5 | charge-offs p90 | members leaving |
| 2022-06 | 3 |  | delinquency 2x band, charge-offs p90 |
| 2022-09 | 5 | charge-offs p90, loans>95% of shares |  |
| 2022-12 | 2 |  | thin capital, charge-offs p90, loans>95% of shares |
| 2023-03 | 2 |  |  |
| 2023-06 | 3 | assets shrinking |  |
| 2023-09 | 4 | loan book shrinking |  |
| 2023-12 | 4 |  |  |
| 2024-03 | 2 |  | assets shrinking, loan book shrinking |
| 2024-06 | 3 | delinquency rising |  |
| 2024-09 | 4 | loan book shrinking |  |
| 2024-12 | 4 |  |  |
| 2025-03 | 2 |  | delinquency rising, loan book shrinking |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 3 | members leaving |  |
| 2026-03 | 1 | net worth falling | 3rd-party paper>100% NW, auto monoline, members leaving |

## In the news (Google News, unfiltered, newest first; check the city)

- 2019-09-20 [Joel Slagan named CEO of Timberland Federal Credit Union - StateCollege.com](https://news.google.com/rss/articles/CBMipwFBVV95cUxPeDh5TUdvY3hPMG4yVVBWY2hDd0lpNHR2ODhrVEdmTUxFYS1jTWVJcTJOUW4wZkNJanVaOV90anBHTTAwSEZQZkIxOWRTRWdleTNQal95VEVLaGlITV9tS1NMeDRYV2dhelo0Z2lNN2FmdEhqdjRQM2hkTWVzd05SbmhULVBtRFRCYV9ReU9ubGxsXzBWeDRXOHJHS19tN1VqcDd3ZnFtaw?oc=5) · StateCollege.com
- 2021-02-26 [Timberland Federal Credit Union - PA Business Central | Marcellus Business Central | Women in Business - Pennsylvania Business Central](https://news.google.com/rss/articles/CBMigwFBVV95cUxNektkMkdVQnVQRjV2TWN0SFZrVjJRdGlHeUxrZEQ5Z3BKbHV0SnhJMjRJUHE3TFNpQ2R4X0tfSXViOGplT2tvWmRZSGVMc1hWY3ZJczNIcmFrMmh0Yjd3dE9HVHpNRjBlQlp5cFdsTktlTXNiOUFQMWlpU2psdjBaMUdUVQ?oc=5) · Pennsylvania Business Central
- 2023-03-02 [Timberland Federal Credit Union announces promotions - The Courier Express](https://news.google.com/rss/articles/CBMi2AFBVV95cUxOUkZLS08yanREMzNDci1HZ28xR3NLWDdOUGpaQ0k5MEkwVGljVkxmTklEVi1tU3hENUJEYjczOHZuMnMzX2Z6VG1Ed0xVQlZDT3ZJR0V4ek5zVS1nc1ZwdUpEV0ZERFpfeC1relctVENiTWJGSHBDQkZkVVAtSlhMdzJpemdZU3BuUzRuNFc4Vkg2RnZha3BueVV3OENtVXY0WG5ad0dCTjhHUm1UWEtXU3BmYnd4enpCczJvZzhsUjZ2RGZKYXN3RGZtelZ2OVgwR2FHM0pCU2g?oc=5) · The Courier Express
- 2020-08-26 [Timberland FCU elevates COO to chief executive - American Banker](https://news.google.com/rss/articles/CBMimwFBVV95cUxPNmhsd3JmUlhBa2lWZm9zU1JSLW5EQk9wSV9ocThKV3pTNHJGQkNUb2JCS3U4eDJBbUxMa0h0RG13aFpKN1ZlZGlCcXI3RGZKTndSUmVEN1NHR3U5WUJlTkJoVXNyYkx6cWV3TGFINk9Gckp5blJwbFpzemlJX0pfY2lQVWpGaDdJTUpRaTR2OV9OZkdNLXpiTDhkYw?oc=5) · American Banker
- 2025-03-26 [After Renovations, Timberland Federal Credit Union Celebrates Grand Reopening in Pleasant Gap - StateCollege.com](https://news.google.com/rss/articles/CBMi1wFBVV95cUxORUJxX3RCU2xjbkhHeVdLQ2JsUUFKeDYxSjhIdG1oekpLTmxVTVYwV0JoRU1PVl9XVXY2d0txZDhSNG4yU01fY0hFY09ESjZ4Wm0xVzdLdHI3Z01rT1lBckJDZWVpNGhBX3hycjZmVXlwMEtBS0FkZmpMZXBjbTlRYnBWd1NEUHpJRTE2Vjl2VzhfZC1ydmFmNk9RWFp6UEUzbVJNSEZ5Vnl4dmYtWi10RUloQkdHazNHZ3Y0ME9PZFNPTXFRbHZfZE9ubVhiUTN6U3dZSGlxTQ?oc=5) · StateCollege.com
- 2020-09-21 [The ‘Best Places to Work’ in Pa.: Is your company on the list? - PennLive.com](https://news.google.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?oc=5) · PennLive.com
- 2025-04-03 [Timberland Federal Credit Union celebrates grand reopening in Pleasant Gap - StateCollege.com](https://news.google.com/rss/articles/CBMixAFBVV95cUxPcnhRbGVZYUNyOEFtM29aU1VYVzhUTlIzamJkaUoxZG9ZWTJaMnBSRmp3OUw0bUh0RHRMdk0wRkUwbEpBREE1LWUtdFNxOGtCRm9OMklBaTRFbUpyclpoRzYwRUVhdHZZcmRiMWFNbXBadUo5eFNQME1yQWdtRm05QV8wRUNOUUx3OGxRRXZ4NGZiM0JjYzJ4V01ONy1FWXFwd2JTMTZtblg0NjdHaDdtWng2LWU3eEQ1U1pPY2VzRjhqaXR6?oc=5) · StateCollege.com
- 2018-03-13 [Kerinne Hawkins Obituary - Clearfield, PA - Dignity Memorial](https://news.google.com/rss/articles/CBMihwFBVV95cUxPOXExUmUtaG15djZhLTJWcTAtQUZwMk1SMVR5Sm5sOXN3eHdJYWV2N2VIOHNTTHFQMl9ydHlqSXFpZ1dfLUUzTkdUSU1EVlVydXdCMGVlaWtmbFQ5YWdNSDk3Z2xZUlRHbWV5aEZjNHZ3Ui1mek9hNmZheXMxVFE4SE92NFJJVms?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=21413 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/37.json (key "21413", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=21413
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide