MOUNTAIN HERITAGE
Charter #12470 · PARKERSBURG, WV · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 8,873 ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 0.25% sits at the 21st percentile of structural peers — worth a closer look.
- Net interest margin of 5.01% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 2.32% sits at the 90th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.83% sits at the 98th percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | MOUNTAIN HERITAGE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $47.28M | 96th pct | 79th pct |
| Members | 8,873 | 100th pct | 92th pct |
| Net worth ratio | 14.40% | 55th pct | 51th pct |
| Return on average assets | 0.25% | 28th pct | 21th pct |
| Net interest margin | 5.01% | 91th pct | 75th pct |
| Cost of funds | 0.91% | 54th pct | 51th pct |
| Loan-to-share | 74.28% | 76th pct | 56th pct |
| Delinquency 60+ days | 2.32% | 88th pct | 90th pct |
| Net charge-off ratio | 1.83% | 94th pct | 98th pct |
| Loan growth YoY | -5.13% | 29th pct | 18th pct |
| Share growth YoY | 3.34% | 60th pct | 41th pct |
| Efficiency ratio | 62.46% | 14th pct | 10th pct |
structural peer set hash: 060ca2ddea256fb7dc17219a40c38b3b… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.