Mountain Laurel Federal Credit Union Saint Marys, Pennsylvania
Mountain Laurel Federal Credit Union is a federal credit union headquartered in Saint Marys, PA, established in 1970 (NCUA charter 20053), and it is regulated and insured by the NCUA. At Q2 2026 it reported 17,873 members and total assets of $174.2M (up 6.7% from Q2 2025), the 56th largest of 269 credit unions headquartered in Pennsylvania. Its net worth ratio was 19.68% at Q2 2026, in the well capitalized band.
Also written as Mountain Laurel FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 20053
- Headquarters
- Saint Marys, PA
- Established
- 1970
- Total assets, Q2 2026
- $174.2M
- Assets vs Q2 2025
- +6.7%
- Members, Q2 2026
- 17,873
- Net worth ratio, Q2 2026
- 19.68%
- Latest call report
- Q2 2026, NCUA 5300 · Mountain Laurel Federal Credit Union call report
- Asset rank in state
- 56th of 269 in Pennsylvania
- Routing number
- 231385798
- Branches
- 6
It has 249 fewer members than on June 30, 2025 (-1.4%). Its net worth ratio was up 1.13 percentage points from 18.55% on June 30, 2025. Used vehicle loans are its largest loan category, $32.6M of $83.7M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.08% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 19.68% net worth ratio is above that band's 11.43% median.
Credit unions similar in size in Pennsylvania
Credit unions merged into Mountain Laurel Federal Credit Union
Arg Bradford Federal Credit Union (2016) · Pierce Federal Credit Union (2014) · Wacopse Federal Credit Union (2014)
Frequently asked about Mountain Laurel Federal Credit Union
How big is Mountain Laurel Federal Credit Union?
At Q2 2026 it reported total assets of $174.2M and 17,873 members.
Where is Mountain Laurel Federal Credit Union headquartered?
It is headquartered in Saint Marys, PA, United States.
When was Mountain Laurel Federal Credit Union founded?
It was established in 1970, per NCUA records.
Is Mountain Laurel Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 20053): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Mountain Laurel Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Mountain Laurel Federal Credit Union well capitalized?
Its net worth ratio was 19.68% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Mountain Laurel Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.08% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Mountain Laurel Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 60.11% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Saint Marys, PA 15857
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1970
- NCUA Charter #
- 20053
- RSSD ID
- 520188
- Members
- 17,873
- Potential members
- 137,925
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 7 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 19.68% | 11.43% | over 90th top |
| Return on assets Middle half of peers: 0.43% to 1.23% | 2.28% | 0.81% | over 90th top |
| Return on equity Middle half of peers: 3.87% to 9.84% | 11.58% | 7.02% | 84th top |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 4.20% | 3.70% | 79th top |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 54.95% | 76.55% | over 90th top |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 0.53% | 1.24% | over 90th top |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.08% | 0.68% | over 90th top |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 4.73% | 4.92% | 38th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 60.11% | 75.66% | 23rd position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$174.2M total assets against $163.3M; $139.3M total shares and deposits against $132.4M; $83.7M total loans against $79.8M.
$34.3M net worth against $30.3M.
19.68% net worth ratio against 18.55%.
60.11% loan-to-share ratio against 60.26%.
0.08% delinquency ratio against 0.30%.
2.28% return on assets against 3.12%; 11.58% return on equity against 16.81%.
4.20% net interest margin against 4.49%.
17,873 members against 18,122.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 19.68% | 2.28% | 0.08% | 60.11% |
| March 31, 2026 | 19.25% | 2.17% | 0.05% | 56.47% |
| December 31, 2025 | 19.27% | 2.43% | 0.11% | 59.67% |
| September 30, 2025 | 19.26% | 2.67% | 0.14% | 61.48% |
| June 30, 2025 | 18.55% | 3.12% | 0.30% | 60.26% |
| March 31, 2025 | 17.95% | 2.36% | 0.15% | 59.26% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.