MOUNTAIN LAUREL
Charter #20053 · SAINT MARYS, PA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 17,905 ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 19.25% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 2.20% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.22% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.64% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
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 LAUREL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $172.88M | 40th pct | 59th pct |
| Members | 17,905 | 69th pct | 82th pct |
| Net worth ratio | 19.25% | 96th pct | 87th pct |
| Return on average assets | 2.20% | 98th pct | 93th pct |
| Net interest margin | 4.22% | 82th pct | 92th pct |
| Cost of funds | 0.64% | 24th pct | 21th pct |
| Loan-to-share | 56.47% | 21th pct | 44th pct |
| Delinquency 60+ days | 0.05% | 3th pct | 3th pct |
| Net charge-off ratio | 0.09% | 18th pct | 16th pct |
| Loan growth YoY | -2.50% | 21th pct | 18th pct |
| Share growth YoY | 6.16% | 82th pct | 62th pct |
| Efficiency ratio | 53.68% | 4th pct | 10th pct |
structural peer set hash: 6d5ae32c9a376fe10ae8bdc84c0019f2… (reproducible)
Closest structural peers
This is the free public view
Claim MOUNTAIN LAUREL
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.