Credit union
Mountain Laurel Federal Credit Union
Saint Marys, Pennsylvania, Elk County, PA
$174M in total assets and 17,873 members, the 1,395th largest of 4,298 US credit unions and 56th of 269 headquartered in Pennsylvania.
- NCUA charter
- 20053
- Charter
- Federal
- Chartered
- 1970
- NCUA insured since
- 1971
- Field of membership
- Community credit unions
- Website
- http://www.mlfcu.net
At a glance
Compared with 69 federally insured credit unions in Pennsylvania with $100 million to $1 billion in assets, as of June 30, 2026.
| Measure | This credit union | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $174M | 44% | $187M | |
| Loans | $84M | 39% | $110M | |
| Deposits (shares) | $139M | 44% | $164M | |
| Members | 17,873 | 68% | 14,298 | |
| Return on assets | 2.26% | 98% | 0.93% | |
| Net interest income to assets | 4.24% | 91% | 3.65% | |
| Efficiency ratio | 54.3% | 4% | 76.6% | |
| Net worth ratio | 19.68% | 96% | 11.19% | |
| Loans to shares | 60% | 39% | 67% | |
| Cost of deposits | 0.66% | 9% | 1.34% |
Ratios are annualized from year-to-date figures. Return on assets uses average assets, as NCUA does. Cost of deposits includes dividends on shares.
Growth
Total assets grew 5.6% a year over 10 years and 3.1% a year over the last 5, including 1 merger in the last 10 years. Membership fell 2.2% a year over 5 years, to 17,873.
Dashed lines mark larger mergers, listed below.
Mergers and acquisitions
| Closed | Absorbed | Assets at last filing |
|---|---|---|
| Nov 2016 | ARG Bradford Federal Credit Union Credit union, Bradford, PA | $4M |
| Nov 2014 | Pierce Federal Credit Union Credit union, Port Allegany, PA | $3M |
| Oct 2014 | Wacopse Federal Credit Union Credit union, Warren, PA | $25M |
Where they operate
6 branches in 4 counties.
Largest counties by branches
| County | Branches | Share of all branches | Rank |
|---|---|---|---|
| Mckean County, PA | 3 | 12.5% | 3 of 10 |
| Cameron County, PA | 1 | 33.3% | 1 of 3 |
| Elk County, PA | 1 | 7.1% | 5 of 7 |
| Warren County, PA | 1 | 6.7% | 4 of 9 |
Credit unions do not report deposits by branch, so these are branch counts: this credit union's branches against every bank and credit union branch in the county. Rank is among all banks and credit unions with a branch there.
Branches by year
| Year end | Branches | Change |
|---|---|---|
| 2016 | 7 | |
| 2017 | 7 | 0 |
| 2018 | 7 | 0 |
| 2019 | 7 | 0 |
| 2020 | 7 | 0 |
| 2021 | 7 | 0 |
| 2022 | 7 | 0 |
| 2023 | 7 | 0 |
| 2024 | 6 | −1 |
| 2025 | 6 | 0 |
| Jun 2026 | 6 | 0 |
Member-serving offices as listed in NCUA call reports. Changes include branches gained in mergers.
Earnings and credit
Return on assets
Year to date, annualized, with the peer median.
Credit and capital
| This credit union | Peer median | |
|---|---|---|
| Delinquent loans, 60+ days | 0.08% | 0.73% |
| Net worth ratio | 19.68% | 11.19% |
| Loans to shares | 60% | 67% |
Delinquent loans are two or more months past due. Net worth is NCUA's capital measure for credit unions.
Related
Credit unions of similar size in Pennsylvania
Most branches in Mckean County, PA
Figures as of June 30, 2026 from the credit union's NCUA call report (Form 5300), NCUA's credit union locator and FFIEC merger records.