Mountain Heritage

PARKERSBURG, WV · 1 · Charter #12470 · www.mhfcu.net
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$45.8M
97th percentile
Members
8,545
100th percentile
Total loans
$30.5M
98th percentile
Total shares
$38.2M
96th percentile

Profitability

Return on assets
2.35%
95th percentile
Net interest margin
5.54%
91th percentile
Efficiency ratio
56.50%
73th percentile
Non-interest income ratio
12.47%
61th percentile

Capital & Risk

Net worth ratio
14.80%
49th percentile
Delinquency rate
3.50%
12th percentile
Net charge-off rate
1.70%
8th percentile
Loan-to-share
80.00%
76th percentile

Growth

Member growth YoY
-2.48%
38th percentile
Asset growth YoY
2.52%
59th percentile
Loan growth YoY
-11.31%
20th percentile
Share growth YoY
1.89%
58th percentile

Operations

Members / branch
2,136
81th percentile
Assets / member
$5,361
18th percentile
Field of membership penetration
12.21%
25th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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