Side-by-side · Q2 2026 data
MCS Bank vs Timberland Federal Credit Union
Metric by metric
| Measure | MCS Bank | Timberland Federal Credit Union |
|---|---|---|
| TellerScore | 73 (stronger) | 68 |
| Capital cushion | 67 (stronger) | 52 |
| Loan quality | 88 (stronger) | 75 |
| Earnings | 55 (stronger) | 52 |
| Funding & liquidity | 67 | 95 (stronger) |
| Problem-loan coverage | 95 (stronger) | 91 |
| Peer percentile | 53rd | 45th |
| Total assets | $224.7M | $102.0M |
| Deposits / shares | $196.1M | $91.1M |
| Capital ratio | 11.69% (stronger) | 10.23% |
| Problem loans | 0.36% (stronger) | 0.76% |
| Net charge-offs | 0.04% (stronger) | 0.40% |
| Return on assets | 0.87% (stronger) | 0.80% |
| Loans ÷ deposits | 93.7% | 65.1% (stronger) |
| Uninsured deposits | 9.3% | 0.7% (stronger) |
| Offices | 7 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 29.8% |
MCS Bank has the higher TellerScore (73 vs 68). On the 7 directional measures above (where higher or lower is clearly better), MCS Bank leads on 5 and Timberland Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.