credit union · NCUA 12470 · WV
How big is MOUNTAIN HERITAGE?
MOUNTAIN HERITAGE (WV, NCUA charter 12470) reported total assets of $47.0M, 8,671 members and a net worth ratio of 14.52% in its Call Report for 2026Q2. That ranks 2443 of 4,299 federally insured credit unions by assets, 50 of 1,135 among credit unions with $10m-$50m in assets, 24 of 74 credit unions in west virginia.
What stands out
MOUNTAIN HERITAGE (WV, NCUA charter 12470) reported total assets of $47.0M, 8,671 members and a net worth ratio of 14.52% in its Call Report for 2026Q2. That ranks 2443 of 4,299 federally insured credit unions by assets, 50 of 1,135 among credit unions with $10m-$50m in assets, 24 of 74 credit unions in west virginia. Against its size class: net worth ratio 14.52%, above the peer median of 13.88%; loan-to-share ratio 72.72%, above the peer median of 57.77%; return on assets 0.15%, below the peer median of 0.70%. At 14.52% its net worth ratio is above the 7% NCUA threshold, which puts it in the "well capitalised" band of prompt corrective action; the regulator applies further tests, this page does not.
Key figures, 2026Q2
As filed with the NCUA; ratios computed by FACTANKER. Peer medians are percentile_cont over the group in the same quarter.
| Measure | 2026Q2 | Median, size class | Median, state | Median, all | Evidence |
|---|---|---|---|---|---|
| Total assets | $47.0M | $25.2M | $27.6M | $68.3M | record → |
| Shares and deposits | $39.9M | $21.4M | $23.8M | $58.3M | record → |
| Loans outstanding | $29.0M | $11.2M | $10.4M | $34.4M | record → |
| Net income (year to date) | $36.1k | $82.1k | $117.1k | $222.2k | record → |
| Net worth | $6.8M | $3.4M | $3.5M | $9.0M | record → |
| Net worth ratio | 14.52% | 13.88% | 13.43% | 12.65% | record → |
| Loan-to-share ratio | 72.72% | 57.77% | 60.24% | 68.70% | computed |
| Return on assets | 0.15% | 0.70% | 0.84% | 0.71% | computed |
| Members | 8,671 | 2,092 | 2,096 | 4,818 | record → |
Quarter by quarter
45 Call Reports on record, 2015Q2–2026Q2; the 40 most recent shown.
| Quarter | Total assets | Shares | Loans | Net income YTD | Net worth ratio | Members | Rank |
|---|---|---|---|---|---|---|---|
| 2026Q2 | $47.0M | $39.9M | $29.0M | $36.1k | 14.52% | 8,671 | 2443 |
| 2026Q1 | $47.3M | $40.3M | $30.0M | $28.6k | 14.40% | 8,873 | 2450 |
| 2025Q4 | $45.8M | $38.9M | $30.5M | $527.2k | 14.80% | 8,545 | 2471 |
| 2025Q3 | $45.8M | $39.0M | $31.6M | $462.9k | 14.53% | 8,784 | 2472 |
| 2025Q2 | $45.7M | $39.0M | $32.8M | $151.3k | 14.31% | 8,779 | 2487 |
| 2025Q1 | $46.0M | $39.4M | $33.8M | $72.8k | 14.04% | 8,768 | 2498 |
| 2024Q4 | $44.7M | $38.2M | $34.4M | $346.8k | 14.29% | 8,762 | 2515 |
| 2024Q3 | $44.9M | $38.5M | $35.1M | $281.2k | 14.06% | 8,744 | 2519 |
| 2024Q2 | $46.6M | $40.0M | $35.9M | $135.3k | 13.45% | 8,728 | 2510 |
| 2024Q1 | $48.1M | $41.6M | $36.7M | $122.7k | 12.82% | 8,661 | 2510 |
| 2023Q4 | $48.0M | $41.7M | $37.2M | $323.6k | 12.58% | 8,588 | 2506 |
| 2023Q3 | $48.3M | $41.8M | $38.0M | $393.5k | 12.32% | 8,565 | 2504 |
| 2023Q2 | $49.8M | $43.4M | $38.4M | $311.9k | 11.79% | 8,506 | 2488 |
| 2023Q1 | $50.0M | $44.2M | $38.0M | $170.4k | 11.44% | 8,387 | 2495 |
| 2022Q4 | $49.6M | $43.9M | $37.6M | $362.0k | 11.19% | 8,270 | 2506 |
| 2022Q3 | $51.2M | $45.6M | $36.8M | $288.8k | 10.70% | 8,211 | 2505 |
| 2022Q2 | $52.2M | $46.7M | $36.8M | $221.4k | 10.37% | 8,141 | 2497 |
| 2022Q1 | $52.2M | $46.8M | $36.9M | $124.6k | 10.18% | 8,080 | 2495 |
| 2021Q4 | $48.9M | $43.6M | $36.8M | $300.9k | 10.61% | 7,995 | 2546 |
| 2021Q3 | $47.8M | $42.6M | $36.1M | $230.3k | 10.68% | 7,925 | 2564 |
| 2021Q2 | $48.4M | $43.3M | $34.5M | $119.8k | 10.33% | 7,793 | 2542 |
| 2021Q1 | $46.9M | $41.9M | $33.1M | $15.8k | 10.44% | 7,679 | 2578 |
| 2020Q4 | $43.7M | $38.8M | $31.9M | $230.9k | 11.15% | 7,610 | 2602 |
| 2020Q3 | $42.7M | $37.8M | $31.9M | $181.3k | 11.31% | 7,543 | 2608 |
| 2020Q2 | $40.9M | $36.1M | $30.3M | $129.6k | 11.67% | 7,465 | 2628 |
| 2020Q1 | $37.2M | $32.4M | $30.7M | $32.0k | 12.58% | 7,396 | 2659 |
| 2019Q4 | $36.6M | $31.9M | $31.8M | $567.4k | 12.68% | 7,341 | 2648 |
| 2019Q3 | $36.0M | $31.3M | $32.0M | $436.0k | 12.56% | 7,252 | 2666 |
| 2019Q2 | $35.1M | $30.7M | $31.3M | $197.5k | 12.17% | 7,129 | 2705 |
| 2019Q1 | $36.1M | $31.7M | $30.8M | $94.3k | 11.56% | 7,034 | 2683 |
| 2018Q4 | $35.0M | $30.8M | $31.3M | $209.7k | 11.64% | 6,958 | 2684 |
| 2018Q3 | $35.5M | $30.6M | $31.0M | $450.0k | 12.16% | 6,854 | 2682 |
| 2018Q2 | $35.1M | $29.7M | $31.2M | $324.2k | 11.96% | 6,770 | 2719 |
| 2018Q1 | $34.4M | $30.2M | $29.9M | $113.8k | 11.59% | 6,676 | 2747 |
| 2017Q4 | $34.0M | $29.7M | $29.5M | $488.2k | 11.37% | 6,602 | 2731 |
| 2017Q3 | $34.2M | $30.3M | $29.1M | $272.5k | 10.69% | 6,515 | 2741 |
| 2017Q2 | $34.1M | $30.5M | $28.5M | $144.5k | 10.33% | 6,401 | 2760 |
| 2017Q1 | $35.0M | $31.4M | $28.5M | $57.8k | 9.84% | 6,294 | 2740 |
| 2016Q4 | $32.5M | $28.7M | $28.0M | $272.5k | 10.39% | 6,177 | 2804 |
| 2016Q3 | $33.5M | $30.1M | $27.0M | $130.1k | 9.68% | 6,094 | 2776 |
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