Federal credit union · PARKERSBURG, West Virginia · NCUA charter #12470
Mountain Heritage
Health score 68/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 68
- Health / 100
- $45.8M
- Total assets
- 8,545
- Members
- 14.8%
- Net-worth ratio
Mountain Heritage - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #12470, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Mountain Heritage - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)13
- Earnings (ROA)100
- Member growth30
- Liquidity (loan-to-share)100
Weighted composite: 68/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 14.80% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 14.80% | 30% |
| Delinquency Rate | 3.50% | 25% |
| Return on Assets | 0.76% | 15% |
| Member Growth | -2.48% | 15% |
| Loan-to-Share Ratio | 78.47% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $45.8M | 8,545 |
| 2024Q4 | $44.7M | 8,762 |
| 2023Q4 | $48.0M | 8,588 |
Credit Union Details
- Charter Number
- 12470
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $10M–$50M
- State
- West Virginia
- City
- PARKERSBURG
- Data Quarter
- 2025Q4
What This Data Says About Mountain Heritage
The five-factor composite scores Mountain Heritage at 68/100 (Good), reflecting a net worth ratio of 14.80% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in PARKERSBURG, West Virginia, reports 8,545 members, $45.8M in total assets, and $30.5M in outstanding loans as of Q4 2025 under charter #12470 (peer group $10M–$50M, a cohort of 1163 similarly-sized institutions).
On loan book quality: 3.50% of loans are 60+ days past due against the total loan book - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running looser than peers. Meanwhile a 78.47% loan-to-share ratio shows how aggressively member deposits get deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.76% on net income of $347K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -2.48%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Multiple Common Bond) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in West Virginia
A look at other West Virginia credit unions, ranked by how closely their peer group and asset size match this one.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Mountain Heritage financially healthy?
Yes/no aside, the number is 68/100 (Good) - Mountain Heritage's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 14.80% net worth ratio and 3.50% delinquency rate are the key drivers.
How does Mountain Heritage compare to other credit unions?
PlainCU's health composite puts Mountain Heritage at 68/100, compared to a peer group average for $10M–$50M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Mountain Heritage?
Mountain Heritage serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Mountain Heritage directly for the current list of qualifying groups.
Is my money safe at Mountain Heritage?
Federal credit unions like Mountain Heritage are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Mountain Heritage's net worth ratio of 14.80% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Mountain Heritage offer compared to banks?
Credit unions like Mountain Heritage are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Mountain Heritage directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.