Side-by-side · Q2 2026 data
Cotton Belt Federal Credit Union vs Timberline Federal Credit Union
Credit union
Cotton Belt Federal Credit Union
Pine Bluff, Arkansas · Under $100 million in assets
Credit union
Timberline Federal Credit Union
Crossett, Arkansas · Under $100 million in assets
Metric by metric
| Measure | Cotton Belt Federal Credit Union | Timberline Federal Credit Union |
|---|---|---|
| TellerScore | 57 | 59 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 0 | 26 (stronger) |
| Earnings | 66 (stronger) | 0 |
| Funding & liquidity | 65 | 92 (stronger) |
| Problem-loan coverage | 45 | 86 (stronger) |
| Peer percentile | 17th | 20th |
| Total assets | $70.0M | $80.4M |
| Deposits / shares | $56.0M | $67.3M |
| Capital ratio | 17.03% | 19.61% (stronger) |
| Problem loans | 4.73% | 2.22% (stronger) |
| Net charge-offs | 0.59% (stronger) | 0.76% |
| Return on assets | 1.16% (stronger) | -0.61% |
| Loans ÷ deposits | 95.6% | 68.1% (stronger) |
| Uninsured deposits | 4.1% | 4.0% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Timberline Federal Credit Union has the higher TellerScore (59 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Cotton Belt Federal Credit Union leads on 2 and Timberline Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.