Mountain Heritage
Parkersburg, WV · Charter 12470 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
$47.0MAssets
$29.0MLoans
$39.9MShares
$6.8MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 89% of credit unions under $1B in assets (rank 178 of 1683).
- Widest gap: nonperforming loans / loans trails 93% of credit unions under $1B in assets (rank 1569 of 1682).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.15%
Rank 1,417 of 1,683
Net Interest Margin
4.88%
Rank 178 of 1,683
Efficiency Ratio
67.37%
Rank 371 of 1,682
Equity / Assets
14.52%
Rank 599 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.15% | 0.35% | 0.74% | 1.18% | Beats 16% | 1,417 / 1,683 | |
| Return on Equity | 1.06% | 2.67% | 5.89% | 8.74% | Beats 15% | 1,422 / 1,681 | |
| Net Interest Margin | 4.88% | 3.31% | 3.82% | 4.32% | Beats 89% | 178 / 1,683 | |
| Efficiency Ratio | 67.37% | 68.91% | 78.20% | 86.93% | Beats 78% | 371 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.23% | 0.26% | 0.65% | 1.29% | Beats 7% | 1,569 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 14.52% | 10.44% | 12.89% | 16.53% | Beats 64% | 599 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 14.52% | 10.44% | 12.89% | 16.53% | Beats 64% | 599 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 72.72% | 52.61% | 69.38% | 83.50% | 56th pctl | 735 / 1,683 | |
| Loans / Assets | 61.77% | 44.71% | 59.18% | 70.72% | 56th pctl | 742 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |