Side-by-side · Q2 2026 data
Timberland Bank vs Peninsula Community Federal Credit Union
Credit union
Peninsula Community Federal Credit Union
Shelton, Washington · $100 million – $1 billion
Metric by metric
| Measure | Timberland Bank | Peninsula Community Federal Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 68 |
| Capital cushion | 79 (stronger) | 67 |
| Loan quality | 81 (stronger) | 65 |
| Earnings | 79 (stronger) | 50 |
| Funding & liquidity | 62 | 84 (stronger) |
| Problem-loan coverage | 94 (stronger) | 88 |
| Peer percentile | 86th | 45th |
| Total assets | $2.1B | $304.2M |
| Deposits / shares | $1.8B | $267.4M |
| Capital ratio | 12.85% (stronger) | 11.74% |
| Problem loans | 0.56% (stronger) | 1.06% |
| Net charge-offs | 0.00% (stronger) | 0.86% |
| Return on assets | 1.47% (stronger) | 0.76% |
| Loans ÷ deposits | 84.9% | 76.2% (stronger) |
| Uninsured deposits | 26.8% | 2.9% (stronger) |
| Offices | 24 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.0% | — |
Timberland Bank has the higher TellerScore (78 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Timberland Bank leads on 5 and Peninsula Community 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.