Skip to main content

Credit union call report ยท Saint Marys, PA

Mountain Laurel Federal Credit Union Call Report

BankRegReports is independent of Mountain Laurel Federal Credit Union and never asks for online banking logins or passwords.

Mountain Laurel Federal Credit Union filed its latest NCUA 5300 call report for the quarter ended June 30, 2026. Below are its 244 filed line items, in the form's order. Dollar amounts are whole dollars as filed.

Mountain Laurel Federal Credit Union call report filing details
Call report formNCUA 5300
Latest quarter filedQ2 2026 (June 30, 2026)
NCUA charter number20053
Federal Reserve RSSD ID520188

The official copy: search charter number 20053 in NCUA's Research a Credit Union tool, or download every credit union's filing from NCUA's quarterly call report data.

Mountain Laurel Federal Credit Union call report, Q2 2026

Statement of Financial Condition (28 items)
Mountain Laurel Federal Credit Union, Statement of Financial Condition, Q2 2026
Line item Account Q2 2026
1a. Coin and Currency AS0004 $2.2M
1c. Total Cash on Hand 730A $2.2M
2a. Cash on Deposit in Corporate Credit Unions 730B1 $10.9M
2c. Cash on Deposit in Other Financial Institutions 730B2 $253K
2. Cash on Deposit (total) 730B $11.2M
3. Time Deposits in Banks and Credit Unions AS0007 $73.9M
5. TOTAL CASH AND OTHER DEPOSITS AS0009 $87.3M
12b. Perpetual Contributed Capital 769B $432K
13. TOTAL OTHER INVESTMENTS AS0017 $432K
15a. Number of Total Loans and Leases 025A 6,242
15b. Total Loans and Leases 025B $83.7M
17. ACL on Loans and Leases AS0048 $651K
19. Land and Building 007 $1.3M
20. Other Fixed Assets 008 $166K
21. NCUA Share Insurance Capitalization Deposit 794 $1.3M
22d. Accrued Interest on Loans 009A $220K
22e. Accrued Interest on Investments 009B $9K
22f. All Other Assets 009C $281K
22g. Total Other Assets AS0036 $510K
23. TOTAL ASSETS 010 $174.2M
Accounts Payable and Other Liabilities 825 $290K
Accrued Dividends and Interest Payable 820A $333K
Member Shares of All Types 013 $139.3M
Total Shares and Deposits 018 $139.3M
Undivided Earnings 940 $31.5M
Total Net Worth 997 $34.3M
Net Worth Ratio 998 19.68%
TOTAL LIABILITIES, SHARES, AND EQUITY 014 $174.2M
Statement of Income and Expense (24 items)
Mountain Laurel Federal Credit Union, Statement of Income and Expense, Q2 2026
Line item Account Q2 2026
1. Interest on Loans and Leases 110 $2.4M
3. Income from Investments 120 $1.7M
5. TOTAL INTEREST INCOME 115 $4.1M
6. Dividends on Shares 380 $451K
9. TOTAL INTEREST EXPENSE 350 $451K
10. NET INTEREST INCOME IS0010 $3.6M
12a. Credit Loss Expense - Loans and Leases IS0011 $91K
12e. Total Credit Loss Expense IS0017 $91K
13. Fee Income 131 $313K
14. Other Operating Income IS0020 $470K
18. Gain (Loss) on Disposition of Fixed Assets 430 -$2
22. Other Non-Operating Income 440 $12K
23. TOTAL NON-INTEREST INCOME 117 $795K
24. Employee Compensation and Benefits 210 $1.1M
25. Travel and Conference 230 $11K
26. Office Occupancy 250 $136K
27. Office Operations 260 $292K
28. Educational and Promotional 270 $78K
29. Loan Servicing 280 $513K
30. Professional and Outside Services 290 $254K
32. Operating Fees 320 $8K
33. Miscellaneous Operating Expense 360 $34K
34. TOTAL NON-INTEREST EXPENSE 671 $2.4M
35. NET INCOME 661A $1.9M
Statement pages - all other filed accounts (20 items)

delinquency (21%), credit cards (21%)

Mountain Laurel Federal Credit Union, Statement pages - all other filed accounts, Q2 2026
Line item Account Q2 2026
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 1 month to less than 2 months delinquent 020B $573K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 2 to less than 6 months delinquent 021B $27K
Amount of Delinquent Unsecured Credit Card Loans as of - 1 month to less than 2 months delinquent. 024B $3K
Loans Granted Year-to-Date 031A $888
Amount of Loans Granted Year-to-Date 031B $19.8M
Total Amount of Delinquent Loans & Leases (Two or more months) 041B $68K
Number of current members (not number of accounts) 083 17,873
Number of potential members 084 137,925
Interest Rate of Unsecured Credit Card Loans 521 1,290.00%
Interest Rate of All Other Unsecured Loans/Lines of Credit 522 569.00%
Interest Rate of New Vehicle Loans 523 590.00%
Interest Rate of Used Vehicle Loans 524 648.00%
Total Amount of All Loans Charged Off Year-to-Date 550 $74K
Total Amount of All Year-to-Date Recoveries on Charged-Off Loans 551 $39K
Amount of Regular Shares 657 $93.4M
Amount of Share Drafts 902 $25.4M
IRA/KEOGH Accounts - < 1 Year 906A $7.5M
Share Certificates - < 1 Year 908A $12.2M
Total Amount of Share Certificates 908C $12.8M
Number of Used Vehicle Loans 968 2,012
NCUA data file FS220A (20 items)

loans and leases (25%), income and expense (25%), shares and deposits (19%)

Mountain Laurel Federal Credit Union, NCUA data file FS220A, Q2 2026
Line item Account Q2 2026
Total Shares - < 1 Year 013A $138.5M
Total Shares - 1-3 Years 013B1 $820K
Total Shares and Deposits - < 1 Year 018A $138.5M
Total Shares and Deposits - 1-3 Years 018B1 $820K
Number of Total Delinquent Loans & Leases (Two or more months) 041A 10
Effective date of last audit 063 $92K
Amount of Used Vehicle Loans 370 $32.6M
Amount of New Vehicle Loans 385 $14.2M
Amount of Unsecured Credit Card Loans 396 $1.1M
Amount of All Other Unsecured Loans/Lines of Credit 397 $9.4M
Share Certificates 451 $742
Number of Accounts for Share Drafts 452 7,761
IRA/KEOGH Accounts 453 $380
Number of Accounts for Regular Shares 454 19,943
Number of Accounts for Total Shares and Deposits (Sum of items 15-16) 460 28,826
Number of credit union employees who are Full-Time (26 hours or more) 564A 32
Number of credit union employees who are Part-Time (25 hours or less per week) 564B 8
Dollar amount of loans with interest rates that exceed 15% (For FCUs Only) 567 $218K
Aggregate weighted average interest rate for the loans with interest rates that exceed 15% (For FCUs Only) 568 1,683.00%
Total credit lines 881 $4.9M
NCUA data file FS220B (18 items)

maturity and repricing buckets (40%), credit cards (17%)

Mountain Laurel Federal Credit Union, NCUA data file FS220B, Q2 2026
Line item Account Q2 2026
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E) 065A4 $1.3M
Total Uninsured Shares and Deposits > $250K (F+J) 068A $1.3M
Total Insured Shares and Deposits > $250K (item 17 less item K) 069A $137.9M
Effective date of the most recent Supervisory Committee verification of Member's accounts 603 $62K
Amount of Regular Shares - < 1 Year 657A $93.4M
Total Amount of Unsecured Credit Card Loans Charged Off Year-to-Date 680 $13K
Total Amount of Year-to-Date Recoveries on Unsecured Credit Card Loans Charged Off 681 $3K
Amount of Share Drafts - < 1 Year 902A $25.4M
IRA/KEOGH Accounts - 1-3 Years 906B1 $177K
Total Amount of IRA/KEOGH Accounts 906C $7.7M
Share Certificates - 1-3 Years 908B1 $643K
Amount of Loans Outstanding to Credit Union Officials and Senior Executive Staff 956 $358K
Number of New Vehicle Loans 958 731
Total Shares 966 $29K
Total of outstanding loan balances subject to bankruptcies identified in items 23a-c. 971 $128K
Number of Unsecured Credit Card Loans 993 984
Number of All Other Unsecured Loans/Lines of Credit 994 1,853
Number of Loans Outstanding to Credit Union Officials and Senior Executive Staff 995 18
NCUA data file FS220C (5 items)

charge-offs and recoveries (27%), participation loans (18%)

Mountain Laurel Federal Credit Union, NCUA data file FS220C, Q2 2026
Line item Account Q2 2026
Indicate in the box at the right the number of the description below that best characterizes the last audit performed of your credit union's records 064 $5
Number of credit union branches (include the main office if member services are conducted at that location) 566 6
Supplemental Share Information - Dollar Amount of Share Certificates = or > $100,000 638 $2.6M
Supplemental Share Information - Dollar Amount of IRA/Keogh Accounts = or > $100,000 639 $1.3M
Outstanding balance of brokered certificates of deposit and share certificates 788 $64.7M
NCUA data file FS220D (15 items)

member services and products offered (69%), CUSO relationships (27%)

Mountain Laurel Federal Credit Union, NCUA data file FS220D, Q2 2026
Line item Account Q2 2026
Does the credit union plan to add any new branches or expand existing facilities in the next 12 months? 566B $1
No Cost Share Drafts 879A4 $1
Share Certificates with Low Minimum Balance Requirements 879A5 $1
Student Scholarships 879C4 $1
Brokered Certificates of Deposits 879N $1
Low-cost wire transfers 879W $1
Loan Application 887B $1
Loan Payments 887F $1
Bill Payment 887J $1
e-Statements 887R $1
Remote Deposit Capture 887U $1
Informational Website PI0007 $1
Mobile Application PI0008 $1
Online Banking PI0009 $1
Person-to-Person PI0011 $1
NCUA data file FS220G (4 items)

loans and leases (32%), participation loans (18%)

Mountain Laurel Federal Credit Union, NCUA data file FS220G, Q2 2026
Line item Account Q2 2026
Equity Acquired in Merger 658A $2.8M
Total Credit Lines at Corporate Credit Unions 884 $4.9M
Current Quarter's Total Adjusted Retained Earnings acquired through Business Combinations 1004 $2.8M
Prior Quarter-End Adjusted Retained Earnings acquired through Business Combinations 1004A $2.8M
NCUA data file FS220H (6 items)

student loans (43%), delinquency (27%)

Mountain Laurel Federal Credit Union, NCUA data file FS220H, Q2 2026
Line item Account Q2 2026
Amount of Non-Federally Guaranteed Student Loans - 1 to <2 months 020T $39K
Non-Federally Guaranteed Student Loans YTD Recoveries 551T $3K
Interest Rate on Non-Federally Guaranteed Student Loans 595A 1,111.00%
Amount of Non-Federally Guaranteed Student Loans 698A $2.0M
Total Unfunded Commitments for all loan types 816A $8.3M
Number of Non-Federally Guaranteed Student Loans 963A 70
NCUA data file FS220I (9 items)

vehicle lending (59%), delinquency (44%)

Mountain Laurel Federal Credit Union, NCUA data file FS220I, Q2 2026
Line item Account Q2 2026
Amount of New Vehicle Loans Delinquent 30 to 59 days 020C1 $92K
Amount of Used Vehicle Loans Delinquent 30 to 59 days 020C2 $239K
Amount of Used Vehicle Loans Delinquent 60 to 179 days 021C2 $13K
Number of Reportable Delinquent Used Vehicle Loans 035E2 3
Amount of Reportable Delinquent Used Vehicle Loans 041C2 $31K
Amount of Used Vehicle Loans YTD Charge Offs 550C2 $9K
Amount of New Vehicle Loans YTD Recoveries 551C1 $100
Amount of Used Vehicle Loans YTD Recoveries 551C2 $13K
Negative Shares as Included in All Other Unsecured Loans/Lines of Credit 644 $36K
NCUA data file FS220L (10 items)

commercial and business lending (90%), participation loans (36%), real estate lending (18%)

Mountain Laurel Federal Credit Union, NCUA data file FS220L, Q2 2026
Line item Account Q2 2026
Total Number of Loans & Leases on Loan Schedule 025A1 $6K
Total Amount of Loans & Leases on Loan Schedule 025B1 $83.7M
Amount of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 386A $2.7M
Amount of All Other Real Estate Loans/Lines of Credit 386B $526K
Interest Rate of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 562A 606.00%
Interest Rate of All Other Real Estate Loans/Lines of Credit 562B 677.00%
Interest Rate of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 563A 355.00%
Interest Rate of All Other Secured Non-Real Estate Loans/Lines of Credit 595B 391.00%
Amount of All Other Secured Non-Real Estate Loans/Lines of Credit 698C $825K
Amount of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 703A $20.3M
NCUA data file FS220M (7 items)

commercial and business lending (89%), real estate lending (26%), participation loans (23%)

Mountain Laurel Federal Credit Union, NCUA data file FS220M, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for Credit Card Lines (Non-Commercial) 812C $4.7M
Total Unfunded Commitments for Non-Commercial Loans 816T $8.3M
Total Unfunded Commitments for Overdraft Protection Program Commitments (Non-Commercial) 822C $3.6M
Number of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 959A 397
Number of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 960A 77
Number of All Other Real Estate Loans/Lines of Credit 960B 5
Number of All Other Secured Non-Real Estate Loans/Lines of Credit 963C 113
NCUA data file FS220N (3 items)

investment portfolio detail (53%), maturity and repricing buckets (31%), CECL allowances (30%)

Mountain Laurel Federal Credit Union, NCUA data file FS220N, Q2 2026
Line item Account Q2 2026
Total Liabilities LI0069 $139.9M
(CECL) One-time Adjustment to Undivided Earnings for those credit unions that have adopted ASC topic 326 - Financial Instruments - Credit Losses NW0002 $178K
Total Assets excluding SBA PPP loans pledged as collateral to the FRB PPP Liquidity Facility NW0010 $174.2M
NCUA data file FS220P (18 items)

commercial and business lending (52%), delinquency (49%), real estate lending (23%)

Mountain Laurel Federal Credit Union, NCUA data file FS220P, Q2 2026
Line item Account Q2 2026
Loan Loss Information - YTD Charge Offs - All Other Unsecured Loans/Lines of Credit CH0007 $41K
Loan Loss Information - YTD Recoveries - All Other Unsecured Loans/Lines of Credit CH0008 $15K
Loan Loss Information - YTD Charge Offs - All Other (Non-Commercial) Real Estate Loans/Lines of Credit CH0021 $10K
Loan Loss Information - YTD Recoveries - All Other (Non-Commercial) Real Estate Loans/Lines of Credit CH0022 $5K
All Other Unsecured Loans/Lines of Credit DL0022 $73K
All Other Unsecured Loans/Lines of Credit DL0023 $8K
All Other Unsecured Loans/Lines of Credit DL0024 $14K
All Other Unsecured Loans/Lines of Credit DL0027 $22K
All Other Unsecured Loans/Lines of Credit - Total Number of Reportable Delinquent Loans DL0028 $6
Used Vehicle Loans DL0037 $18K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0050 $21K
Delinquent Loans by Collateral Type - 30 - 59 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0057 $62K
Delinquent Loans by Collateral Type - 60 - 89 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0058 $15K
Delinquent Loans by Collateral Type - Total Amount of Reportable Delinquent Loans - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0062 $15K
Delinquent Loans by Collateral Type - Total Number of Reportable Delinquent Loans - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0063 $1
Delinquent Loans by Collateral Type - 30 - 59 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0064 $43K
Delinquent Loans by Collateral Type - 60-89 days - Total Delinquent Loans and Leases DL0141 $41K
Amount of Consumer Loans in Non-Accrual Status DL0145 $37K
NCUA data file FS220Q (16 items)

investment portfolio detail (69%)

Mountain Laurel Federal Credit Union, NCUA data file FS220Q, Q2 2026
Line item Account Q2 2026
Investment Maturity Distribution - Time Deposits - <=1 Year NV0111 $25.1M
Investment Maturity Distribution - Time Deposits - >1-3 Years NV0112 $35.0M
Investment Maturity Distribution - Time Deposits - >3-5 Years NV0113 $13.9M
Investment Maturity Distribution - Time Deposits - Total NV0116 $73.9M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - <=1 Year NV0141 $432K
Investment Maturity Distribution - Investments in Natural Person Credit Unions - Total NV0146 $432K
Investment Maturity Distribution - Total Investment Securities - <=1 Year NV0153 $25.5M
Investment Maturity Distribution - Total Investment Securities - >1-3 Years NV0154 $35.0M
Investment Maturity Distribution - Total Investment Securities - >3 - 5 Years NV0155 $13.9M
Total Investment Securities (Sum of Accounts AS0007, AS0013, and AS0017 from page 1) NV0158 $74.4M
RBC Total Equity RB0001 $34.3M
RBC Allowance for Credit Losses RB0002 $651K
RBC Total Additions RB0005 $651K
RBC Total Deductions RB0009 $1.3M
RBC Total Risk-Based Capital Numerator Before Mortgage Servicing Assets Deduction RB0010 $33.6M
RBC Risk-Based Capital Numerator RB0012 $33.6M
NCUA data file FS220R (35 items)

risk-based capital and leverage ratio (68%), real estate lending (28%)

Mountain Laurel Federal Credit Union, NCUA data file FS220R, Q2 2026
Line item Account Q2 2026
RBC Schedule Total Investments RB0039 $432K
RBC Schedule Total Consumer Loans RB0060 $60.7M
RBC Total for Risk Weighting Allowance for Credit Losses (Loans) RB0077 $651K
RBC Allowance for Credit Losses (Loans) 0% Weight RB0078 $651K
RBC Schedule Total Loans RB0079 $83.1M
RBC Total for Risk Weighting Total Loans RB0081 -$651K
RBC Total Loans 0% Weight RB0082 -$651K
RBC Schedule Total Other Assets RB0088 $3.3M
RBC Total for Risk Weighting Other Assets RB0090 $1.3M
RBC Other Assets 0% Weight RB0091 $1.3M
RBC Total from Schedule On-Balance Sheet Assets RB0099 $174.2M
RBC Total Adjustments to Schedule On-Balance Sheet Assets RB0100 $686K
RBC Total Risk Weighted On-Balance Sheet Assets 0% Weight RB0101 $686K
RBC Total On-Balance Sheet Assets and Off-Balance Sheet Credit Equivalent Amounts RB0170 $174.2M
RBC Allowance for Credit Losses (Loans) RB0177 $651K
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate > 15 Years RL0001 2.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Fixed Rate > 15 Years RL0002 106,650.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate 15 Years or Less RL0004 395.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Fixed Rate 15 Years or Less RL0005 20,203,465.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Fixed Rate 15 Years or Less RL0006 3,244,797.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Total RL0016 $20.3M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Total RL0017 $3.2M
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Closed-end - Fixed Rate RL0018 77.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Closed-end - Fixed Rate RL0019 2,706,912.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Closed-end - Fixed Rate RL0020 479,782.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Total RL0030 $2.7M
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Total RL0031 $480K
All Other (Non-commercial) Real Estate - Closed-End - Fixed Rate - Number of Loans Outstanding RL0032 5.00%
All Other (Non-commercial) Real Estate - Closed-End - Fixed Rate - Amount of Loans Outstanding RL0033 526,031.00%
All Other (Non-commercial) Real Estate - Amount of Loans Outstanding - Total RL0044 $526K
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Number of Loans Outstanding RL0046 $479
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount of Loans Outstanding RL0047 $23.5M
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount Granted YTD RL0048 $3.7M
Total Shares SH0013 $139.3M
Total Shares and Deposits SH0018 $139.3M
NCUA data file FS220S (6 items)

member services and products offered (29%), HMDA and entity identifiers (24%)

Mountain Laurel Federal Credit Union, NCUA data file FS220S, Q2 2026
Line item Account Q2 2026
Does the CU use financial technology companies to provide member services? PP0037 $1
Auto Lending PP0038 $1
Mortgage Lending PP0039 $1
Secured personal loans PP0040 $1
Unsecured personal loans PP0041 $1
Person-to-Person payments PP0045 $1

Mountain Laurel Federal Credit Union call reports on file

  • Q2 2026 call report (quarter ended June 30, 2026)
  • Q1 2026 call report (quarter ended March 31, 2026)
  • Q4 2025 call report (quarter ended December 31, 2025)
  • Q3 2025 call report (quarter ended September 30, 2025)
  • Q2 2025 call report (quarter ended June 30, 2025)
  • Q1 2025 call report (quarter ended March 31, 2025)

Where can I find the Mountain Laurel Federal Credit Union call report?

The Mountain Laurel Federal Credit Union call report for the quarter ended June 30, 2026 is on this page, line by line in the order of the NCUA 5300. NCUA publishes every federally insured credit union's call report in its quarterly call report data and in its Research a Credit Union tool. Call reports are public: anyone can read them without an account.

What call report does Mountain Laurel Federal Credit Union file?

Mountain Laurel Federal Credit Union files the NCUA Form 5300, the call report every federally insured credit union files with the National Credit Union Administration. Its figures are in whole dollars, not thousands.

What is the Mountain Laurel Federal Credit Union call report number?

A call report has no number of its own. It is filed and looked up by the credit union's NCUA charter number, which for Mountain Laurel Federal Credit Union is 20053.

How often does Mountain Laurel Federal Credit Union file a call report?

Every quarter, as of March 31, June 30, September 30 and December 31.

Mountain Laurel Federal Credit Union financials and ratios →

New to the 5300? What the NCUA 5300 call report is.