TellerScore

Mountain Laurel Federal Credit Union (NCUA charter #20053) is based in Saint Marys, Pennsylvania. Its Q2 2026 call report shows $174.2M in total assets and $139.3M in member shares and deposits and 6 offices.

Based on its Q2 2026 filing, Mountain Laurel Federal Credit Union scores 99/100, which we describe as very strong. That is higher than 100% of 1,341 credit unions with $100 million – $1 billion. Among 269 credit unions headquartered in Pennsylvania, it ranks 3rd. Its five components are fairly even, ranging from 97 to 100 out of 100.

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 19.68%
Loan quality97/100
Loans 60+ days delinquent ÷ total loans: 0.08%
Earnings100/100
Return on assets (annualized): 2.21%
Funding & liquidity100/100
Loans ÷ shares: 60.1% · 1.0% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.20%

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

From Q2 2025 to Q2 2026, the score rose 2 points (97 → 99), mostly because the loan quality component improved by 7 points.

TellerScore
9598100Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202499
Q3 202498
Q4 202495
Q1 202599
Q2 202597
Q3 202599
Q4 202599
Q1 2026100
Q2 202699
Net worth ratio
7.00%13.34%19.68%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202416.57%
Q3 202417.59%
Q4 202417.89%
Q1 202517.95%
Q2 202518.55%
Q3 202519.26%
Q4 202519.27%
Q1 202619.25%
Q2 202619.68%
Delinquent loans (60+ days)
0.05%0.28%0.50%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.13%
Q3 20240.16%
Q4 20240.50%
Q1 20250.15%
Q2 20250.30%
Q3 20250.14%
Q4 20250.11%
Q1 20260.05%
Q2 20260.08%
Return on assets
2.08%2.40%2.73%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.08%
Q3 20242.35%
Q4 20242.36%
Q1 20252.36%
Q2 20252.73%
Q3 20252.71%
Q4 20252.58%
Q1 20262.17%
Q2 20262.21%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202699$174.2M19.68%0.08%2.21%60.1%
Q1 2026100$172.9M19.25%0.05%2.17%56.5%
Q4 202599$167.8M19.27%0.11%2.58%59.7%
Q3 202599$162.9M19.26%0.14%2.71%61.5%
Q2 202597$163.3M18.55%0.30%2.73%60.3%
Q1 202599$161.6M17.95%0.15%2.36%59.3%
Q4 202495$156.8M17.89%0.50%2.36%61.2%
Q3 202498$154.1M17.59%0.16%2.35%63.5%
Q2 202499$157.1M16.57%0.13%2.08%61.5%

1,341 peers · $100 million – $1 billion

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 ratio19.68%
97th
Problem loans0.08%
96th
Net charge-offs0.08%
87th
Return on assets2.21%
98th
Loans to deposits60.1%
77th
Uninsured deposits1.0%
95th
Loan-loss reserves0.00%
50th
Texas ratio0.2%
98th

Similar-size credit unions in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
Ussco Johnstown Federal Credit UnionCredit union Johnstown, PA78 out of 100, Strong$173.7M12.5%0.37%vs
Frick Financial Federal Credit UnionCredit union Uniontown, PA60 out of 100, Moderate$174.7M12.9%2.97%vs
Arize Federal Credit UnionCredit union State College, PA40 out of 100, Below average$175.9M7.8%2.12%vs
Ufcw Community Federal Credit UnionCredit union Wyoming, PA86 out of 100, Very strong$181.4M15.3%1.18%vs
Omega Federal Credit UnionCredit union Wexford, PA64 out of 100, Moderate$186.9M11.0%0.99%vs
Priority First Federal Credit UnionCredit union Du Bois, PA77 out of 100, Strong$187.3M12.1%0.81%vs

Deposit insurance

Is my money safe at Mountain Laurel Federal Credit Union?

Yes. Mountain Laurel Federal Credit Union is a federally insured credit union (NCUA charter #20053). 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 1.0% of shares and deposits ($1.3M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 19.68%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

6 locations

Branches

Mountain Laurel Federal Credit Union lists 6 offices in 6 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Mountain Laurel Federal Credit Union
Type
Federal credit union
NCUA charter #
20053
RSSD ID
520188
Primary regulator
NCUA
Established
1970
Headquarters
413 S Michael St, Po Box 193, Saint Marys, PA 15857
Employees
40

Quick answers

Mountain Laurel Federal Credit Union: common questions

Is Mountain Laurel Federal Credit Union NCUA insured?

Yes. Mountain Laurel Federal Credit Union is a federally insured credit union (NCUA charter #20053). 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 Laurel Federal Credit Union's TellerScore?

99 out of 100 (Very strong), 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 Laurel Federal Credit Union have?

6 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Saint Marys

InstitutionScoreAssetsCapitalProblem loansCompare
Hamlin Bank and Trust CompanyBank Smethport, PA89 out of 100, Very strong$503.4M20.0%0.96%vs
S&T BankBank Indiana, PA70 out of 100, Strong$9.9B11.0%0.50%vs
Northwest BankBank Warren, PA66 out of 100, Moderate$17.2B9.8%0.69%vs
CNB BankBank Clearfield, PA65 out of 100, Moderate$8.4B10.2%0.84%vs
First Commonwealth BankBank Indiana, PA65 out of 100, Moderate$12.2B10.2%0.89%vs
The Farmers National Bank of CanfieldBank Canfield, OH63 out of 100, Moderate$7.2B9.6%0.93%vs