TellerScore

Mountain Heritage Federal Credit Union is a federal credit union headquartered in Parkersburg, West Virginia, in business for about 68 years. At the end of Q2 2026 it reported $47.0M in total assets and $39.9M in member shares and deposits, with 4 offices.

Based on its Q2 2026 filing, Mountain Heritage Federal Credit Union scores 54/100, which we describe as below average. That is higher than only 13% of 2,479 credit unions with under $100 million in assets. Among 74 credit unions headquartered in West Virginia, it ranks 65th. Its strongest component is capital cushion (95/100; 14.52%), and its lowest is loan quality (0/100; 3.24%).

TellerScore · Q2 2026

Scorecard

Capital cushion95/100
Net worth ratio: 14.52%
Loan quality0/100
Loans 60+ days delinquent ÷ total loans: 3.24%
Earnings26/100
Return on assets (annualized): 0.15%
Funding & liquidity88/100
Loans ÷ shares: 72.7% · 0.5% uninsured
Problem-loan coverage72/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 13.77%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (55 → 54).

TellerScore
515967Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202451
Q3 202456
Q4 202455
Q1 202553
Q2 202555
Q3 202567
Q4 202562
Q1 202661
Q2 202654
Net worth ratio
7.00%10.90%14.80%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.45%
Q3 202414.06%
Q4 202414.29%
Q1 202514.04%
Q2 202514.31%
Q3 202514.53%
Q4 202514.80%
Q1 202614.40%
Q2 202614.52%
Delinquent loans (60+ days)
2.32%3.06%3.80%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20243.27%
Q3 20242.87%
Q4 20243.65%
Q1 20253.80%
Q2 20253.24%
Q3 20252.47%
Q4 20253.50%
Q1 20262.32%
Q2 20263.24%
Return on assets
0.15%0.75%1.35%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.58%
Q3 20240.83%
Q4 20240.78%
Q1 20250.63%
Q2 20250.66%
Q3 20251.35%
Q4 20251.15%
Q1 20260.24%
Q2 20260.15%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202654$47.0M14.52%3.24%0.15%72.7%
Q1 202661$47.3M14.40%2.32%0.24%74.3%
Q4 202562$45.8M14.80%3.50%1.15%78.5%
Q3 202567$45.8M14.53%2.47%1.35%80.9%
Q2 202555$45.7M14.31%3.24%0.66%84.1%
Q1 202553$46.0M14.04%3.80%0.63%85.7%
Q4 202455$44.7M14.29%3.65%0.78%90.1%
Q3 202456$44.9M14.06%2.87%0.83%91.0%
Q2 202451$46.6M13.45%3.27%0.58%89.5%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio14.52%
51st
Problem loans3.24%
12th
Net charge-offs2.08%
5th
Return on assets0.15%
25th
Loans to deposits72.7%
29th
Uninsured deposits0.5%
59th
Loan-loss reserves0.00%
37th
Texas ratio13.8%
9th

Similar-size credit unions in West Virginia

InstitutionScoreAssetsCapitalProblem loansCompare
Huntingtonized Federal Credit UnionCredit union Huntington, WV70 out of 100, Strong$46.7M16.8%2.16%vs
Element Federal Credit UnionCredit union Charleston, WV76 out of 100, Strong$47.3M21.8%1.38%vs
Kemba Charleston Federal Credit UnionCredit union Dunbar, WV81 out of 100, Strong$44.7M20.6%1.00%vs
Hope Federal Credit UnionCredit union Bridgeport, WV89 out of 100, Very strong$43.3M19.9%0.38%vs
Wv National Guard Federal Credit UnionCredit union Charleston, WV98 out of 100, Very strong$51.6M14.8%0.00%vs
Metro Community Federal Credit UnionCredit union Huntington, WV51 out of 100, Below average$51.7M9.7%2.71%vs

Deposit insurance

Is my money safe at Mountain Heritage Federal Credit Union?

Yes. Mountain Heritage Federal Credit Union is a federally insured credit union (NCUA charter #12470). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 0.5% of shares and deposits ($182K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 14.52%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

Mountain Heritage Federal Credit Union lists 4 offices in 4 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Mountain Heritage Federal Credit Union
Type
Federal credit union
NCUA charter #
12470
RSSD ID
197889
Primary regulator
NCUA
Established
1958
Headquarters
1822 7th St, Parkersburg, WV 26101
Employees
15

Quick answers

Mountain Heritage Federal Credit Union: common questions

Is Mountain Heritage Federal Credit Union NCUA insured?

Yes. Mountain Heritage Federal Credit Union is a federally insured credit union (NCUA charter #12470). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Mountain Heritage Federal Credit Union's TellerScore?

54 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Mountain Heritage Federal Credit Union have?

4 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Parkersburg

InstitutionScoreAssetsCapitalProblem loansCompare
The Settlers BankBank Marietta, OH94 out of 100, Very strong$142.4M16.2%0.18%vs
First Bank of OhioBank Tiffin, OH90 out of 100, Very strong$278.4M35.5%0.26%vs
The Citizens Bank CompanyBank Beverly, OH86 out of 100, Very strong$334.6M13.6%0.39%vs
Union Trades Federal Credit UnionCredit union Parkersburg, WV84 out of 100, Strong$34.4M18.4%0.92%vs
Southeastern Ohio Credit UnionCredit union Cambridge, OH78 out of 100, Strong$65.4M12.1%1.03%vs
City National Bank of West VirginiaBank Charleston, WV78 out of 100, Strong$6.8B9.6%0.22%vs