Mountain Laurel

SAINT MARYS, PA · 1 · Charter #20053 · www.mlfcu.net
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$167.8M
79th percentile
Members
17,975
96th percentile
Total loans
$80.5M
65th percentile
Total shares
$134.9M
75th percentile

Profitability

Return on assets
2.62%
98th percentile
Net interest margin
4.36%
85th percentile
Efficiency ratio
46.87%
88th percentile
Non-interest income ratio
16.81%
48th percentile

Capital & Risk

Net worth ratio
19.27%
92th percentile
Delinquency rate
0.11%
93th percentile
Net charge-off rate
0.10%
83th percentile
Loan-to-share
59.67%
35th percentile

Growth

Member growth YoY
-1.96%
33th percentile
Asset growth YoY
7.06%
76th percentile
Loan growth YoY
2.56%
57th percentile
Share growth YoY
5.18%
65th percentile

Operations

Members / branch
2,996
47th percentile
Assets / member
$9,338
11th percentile
Field of membership penetration
13.03%
63th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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