Federal credit union · PARKERSBURG, West Virginia · NCUA charter #12470
Mountain Heritage
Health score 68/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 68
- Health / 100
- $45.8M
- Total assets
- 8,545
- Members
- 14.4%
- Net-worth ratio
Mountain Heritage scores 68/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $45.8M; members 8,545; net-worth ratio 14.40%; health rank #3,707 of 4,374; healthier than 15th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,707 of 4,374 health · 2025Q4Mountain Heritage · health 68/100 · $45.8M · 2025Q4
- NCUSIF 68/100
- CAMELS 14.4%
- HEALTH 3.50%
- NW 0.76%
- DELQ $45.8M
- ROA 8,545
- ASSETS #3,707/4,374
- MEM Southern Middlesex Co Tchrs
- RANK 12470
Call Report peers
Mountain Heritage in the assets neighbourhood
Mountain Heritage's $45.8M assets sit next to Southern Middlesex Co Tchrs ($45.8M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Mountain Heritage vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
68 15th percentile higher than 15% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
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.
Peer-gap read for Mountain Heritage
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +18.67 pp (78.47% vs 59.80%).
- Delinquency Rate trails the peer set - 3.50% here, 1.15% peer average (+2.35 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Mountain Heritage in West Virginia
- West Virginia health ordinal: #64 of 74.
- West Virginia assets place: #25 of 74.
- Membership ranks #9 of 74 among West Virginia CUs with a reported count (8,545 members).
In-state ordinals use the live credit_unions table for WV only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Mountain Heritage Call Report trajectory
Mountain Heritage: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.2% from $45.8M (2025Q4) to $47.3M (2026Q1).
- Net-worth ratio shifted -0.40 pp (14.80% → 14.40%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 14.40% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 68/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 68.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 3.1 pts
- Return on Assets 15.0 pts
- Member Growth 4.5 pts
- Loan-to-Share Ratio 15.4 pts
Mountain Heritage health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.40% | -0.46 pp |
| Delinquency Rate | 3.50% | +2.35 pp |
| Return on Assets | 0.76% | +0.05 pp |
| Member Growth | -2.48% | - |
| Loan-to-Share Ratio | 78.47% | +18.67 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Mountain Heritage quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $47.3M | - |
| 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
Branch Locations (4)
Per its most recent NCUA branch filing, Mountain Heritage runs 4 offices in 4 different cities.
| Office | City |
|---|---|
| Mountain Heritage FCU (Main Office) | Parkersburg, WV |
| MHFCU Beckley Branch | Beckley, WV |
| MHFCU Kearneysville | Kearneysville, WV |
| Martinsburg | Martinsburg, WV |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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.
Other-state peers near Mountain Heritage
Mountain Heritage's nationwide photo peers by assets and by health score, excluding West Virginia charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($45.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (68/100 here).
Using this data
- Mountain Heritage ranks #3,707 of 4,374 nationally on financial health and #64 of 74 in WV -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Kemba Charleston is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Kemba Charleston
- Rates and health both vary by institution, not just by state -- see how West Virginia credit unions compare overall before assuming this one is typical. West Virginia state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
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. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,707 of 4,374; by total assets it ranks #2,471 of 4,374 nationally (same basis as /rankings/largest); and #25 of 74 within West Virginia. Above 80 reads excellent, below 50 warrants closer monitoring; a 14.40% 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 14.40% 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.
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.