BlastPoint's Credit Union Scorecard
MOUNTAIN HERITAGE
Charter #12470 · WV
MOUNTAIN HERITAGE has 3 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.96% above tier average
- + Total Members: Top 2.5% in tier
- + Members Per Employee (MPE): Top 8.5% in tier
Key Concerns
Areas that may need attention
- - ROA 1.34% below tier average
- - Delinquency rate 1.69% above tier average
- - Net Charge-Off Rate: Bottom 5.7% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 63 that size in West Virginia.
- Shares and deposits +2.2% year over year ($39.9M in shares and deposits).
- Membership: 8,671 members, -1.2% vs a year ago.
- Delinquency rate 3.24%.
- Return on assets 0.15%.
- Efficiency ratio 67.36% vs a 88.77% peer average.
- Loan-to-share ratio 72.72% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,671
-1.2% YoY-2.3% QoQ
|
+6.1K |
2,585
-1.7% YoY
|
5,079
-0.5% YoY
|
34,678
+6.6% YoY
|
Top 2.5% in tier |
| Assets |
$47.0M
+2.8% YoY-0.7% QoQ
|
+$16.7M |
$30.3M
+1.5% YoY
|
$71.2M
+3.6% YoY
|
$593.1M
+10.2% YoY
|
75% |
| Loans |
$29.0M
-11.7% YoY-3.2% QoQ
|
+$13.5M |
$15.5M
-1.7% YoY
|
$38.5M
+1.2% YoY
|
$418.6M
+10.1% YoY
|
82% |
| Deposits |
$39.9M
+2.2% YoY-1.1% QoQ
|
+$14.1M |
$25.8M
+1.1% YoY
|
$60.8M
+2.9% YoY
|
$504.8M
+10.3% YoY
|
75% |
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| ROA |
0.2%
-76.8% YoY-36.6% QoQ
|
-1.3% |
1.5%
+241.5% YoY
|
1.1%
+25.0% YoY
|
1.2%
+121.4% YoY
|
Bottom 9.7% in tier |
| NIM |
4.9%
-5.9% YoY-1.4% QoQ
|
+1.0% |
3.9%
+0.9% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
Top 14.2% in tier |
| Efficiency Ratio |
67.4%
-4.3% YoY+7.9% QoQ
|
-21.4% |
88.8%
-6.9% YoY
|
78.0%
+6.1% YoY
|
83.0%
-5.3% YoY
|
22% |
| Delinquency Rate |
3.2%
-0.1% YoY+39.3% QoQ
|
+1.7 |
1.5%
+2.1% YoY
|
1.4%
+1.7% YoY
|
1.3%
+2.6% YoY
|
Bottom 11.9% in tier |
| Loan To Share |
72.7%
-13.5% YoY-2.1% QoQ
|
+13.8% |
58.9%
-3.1% YoY
|
58.3%
-3.5% YoY
|
66.4%
-1.4% YoY
|
71% |
| AMR |
$7,945
-3.0% YoY+0.3% QoQ
|
$-7K |
$14,963
-6.8% YoY
|
$15,001
+0.4% YoY
|
$20,028
-0.9% YoY
|
18% |
| CD Concentration |
10.3%
+13.5% YoY+1.8% QoQ
|
-14.2% | 24.6% | 16.8% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 1.9% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)