Mountain Laurel
Saint Marys, PA · Charter 20053 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 6 branches
Q2 2026
$174.2MAssets
$83.7MLoans
$139.3MShares
$34.3MNet Worth
Executive Summary
- Strongest standing: return on assets outperforms 97% of credit unions under $1B in assets (rank 52 of 1683).
- Widest gap: net interest margin trails 32% of credit unions under $1B in assets (rank 543 of 1683).
- Overall: at or above the peer median on 7 of 7 directional measures.
Return on Assets
2.22%
Rank 52 of 1,683
Net Interest Margin
4.16%
Rank 543 of 1,683
Efficiency Ratio
54.31%
Rank 108 of 1,682
Equity / Assets
19.68%
Rank 240 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.22% | 0.35% | 0.74% | 1.18% | Beats 97% | 52 / 1,683 | | |
| Return on Equity | 11.26% | 2.67% | 5.89% | 8.74% | Beats 89% | 186 / 1,681 | | |
| Net Interest Margin | 4.16% | 3.31% | 3.82% | 4.32% | Beats 68% | 543 / 1,683 | | |
| Efficiency Ratio | 54.31% | 68.91% | 78.20% | 86.93% | Beats 94% | 108 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.08% | 0.26% | 0.65% | 1.29% | Beats 87% | 216 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 19.68% | 10.44% | 12.89% | 16.53% | Beats 86% | 240 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 19.68% | 10.44% | 12.89% | 16.53% | Beats 86% | 240 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 60.11% | 52.61% | 69.38% | 83.50% | 35th pctl | 1,097 / 1,683 | | |
| Loans / Assets | 48.07% | 44.71% | 59.18% | 70.72% | 31st pctl | 1,166 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |