Side-by-side · Q2 2026 data
S&T Bank vs Timberland Federal Credit Union
Metric by metric
| Measure | S&T Bank | Timberland Federal Credit Union |
|---|---|---|
| TellerScore | 70 (stronger) | 68 |
| Capital cushion | 60 (stronger) | 52 |
| Loan quality | 83 (stronger) | 75 |
| Earnings | 79 (stronger) | 52 |
| Funding & liquidity | 39 | 95 (stronger) |
| Problem-loan coverage | 95 (stronger) | 91 |
| Peer percentile | 58th | 45th |
| Total assets | $9.9B | $102.0M |
| Deposits / shares | $8.1B | $91.1M |
| Capital ratio | 11.02% (stronger) | 10.23% |
| Problem loans | 0.50% (stronger) | 0.76% |
| Net charge-offs | 0.07% (stronger) | 0.40% |
| Return on assets | 1.47% (stronger) | 0.80% |
| Loans ÷ deposits | 98.1% | 65.1% (stronger) |
| Uninsured deposits | 35.8% | 0.7% (stronger) |
| Offices | 71 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 31.1% | 29.8% |
S&T Bank has the higher TellerScore (70 vs 68). On the 7 directional measures above (where higher or lower is clearly better), S&T Bank leads on 5 and Timberland Federal Credit Union on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.