Credit Union Safety Analysis
Is Mountain Laurel Federal Credit Union Safe? Saint Marys, Pennsylvania
Based on its Q2 2026 NCUA 5300 call report, Mountain Laurel Federal Credit Union has a net worth ratio of 19.68%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.08%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Mountain Laurel Federal Credit Union's net worth ratio is 19.68%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 19.68%
- Delinquency ratio (60+ days) (Q2 2026): 0.08%
- Return on assets (Q2 2026): 2.28%
- Loan-to-share ratio (Q2 2026): 60.11%
Mountain Laurel Federal Credit Union (NCUA charter 20053, established 1970) reported $174.2M in assets and 17,873 members for Q2 2026 from Saint Marys, Pennsylvania. It ranks 56 of 269 credit unions in Pennsylvania by total assets. Total assets grew 6.7% from $163.3M on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 19.25% for Q1 2026; 18.55% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.05% for Q1 2026; 0.30% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 2.17% for Q1 2026; 3.12% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 56.47% for Q1 2026; 60.26% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $32.6M
- 1- to 4-family residential and other consumer real estate loans: $23.5M
- New vehicle loans: $14.2M
- Other unsecured loans and lines of credit: $9.4M
- Non-federally guaranteed student loans: $2.0M
- Unsecured credit card loans: $1.1M
- Other secured non-real estate loans and lines of credit: $825K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $174.2M | 19.68% | 0.08% | 2.28% | 60.11% |
| March 31, 2026 | $172.9M | 19.25% | 0.05% | 2.17% | 56.47% |
| December 31, 2025 | $167.8M | 19.27% | 0.11% | 2.43% | 59.67% |
| September 30, 2025 | $162.9M | 19.26% | 0.14% | 2.67% | 61.48% |
| June 30, 2025 | $163.3M | 18.55% | 0.30% | 3.12% | 60.26% |
| March 31, 2025 | $161.6M | 17.95% | 0.15% | 2.36% | 59.26% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Mountain Laurel Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 20053) · FFIEC NIC profile (RSSD 520188)
Frequently asked questions
Is Mountain Laurel Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Mountain Laurel Federal Credit Union's net worth ratio is 19.68%, above the 7% NCUA threshold for well capitalized.
Is Mountain Laurel Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Mountain Laurel Federal Credit Union is a federally insured credit union (NCUA charter 20053): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Mountain Laurel Federal Credit Union's key safety ratios?
For Q2 2026, Mountain Laurel Federal Credit Union reports net worth 19.68%, delinquency 0.08%, ROA 2.28%, loan-to-share 60.11%.
What happens to my money if Mountain Laurel Federal Credit Union fails?
For Q2 2026, Mountain Laurel Federal Credit Union held $139.3M in shares and deposits for 17,873 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.