MOUNTAIN HERITAGE Credit Union Profile

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MOUNTAIN HERITAGE

Charter #12470 | NCUA Region 1 | FCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (304) 424-7256

Fax: (304) 428-2127

Founding Date: N/A

Website: http://www.mhfcu.net

Personnel & Operations

President: Clay, Brian

Manager: Hershman, Douglas

FT Employees: 14

PT Employees: 0

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 36

Branches: 3

Hours: 7:30AM-5:30PM MON, TUES, WED & FRIDAY: 7:30

Credit Union Profile Summary

MOUNTAIN HERITAGE is a FCU Credit Union. With a total of 8,779 members [1], this institution manages approximately $45,657,682 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 14.31% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -8.44% [1].

Financial Snapshot

Total Assets [1]
$45,657,682

Total economic resources.

Total Loans [1]
$32,833,574

Total value of outstanding loans.

Total Deposits [1]
$39,037,879

Total funds deposited by members.

Members [1]
8,779

Number of active members.

Performance Ratios

Net Worth Ratio [1]
14.31%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
0.67%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
84.11%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↓ -1.93%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↓ -8.44%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↑ 0.58%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

1822 7TH ST

PARKERSBURG, WV, 26101
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

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Branch Locations

Found 3 branches reported by MOUNTAIN HERITAGE (Charter #12470).

Main Office

Mountain Heritage FCU Main Office

Type: Corporate Office

1822 7th St

Parkersburg, WV 26101

Phone: (304) 424-7256

Services: Member Services, ATM, Drive-Thru

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Additional Branches

Beckley

MHFCU Beckley Branch

Type: Branch Office

110 N Heber St

Beckley, WV 25801

Phone: (304) 254-8260

Services: Member Services, ATM

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Kearneysville

MHFCU Kearneysville

Type: Branch Office

250 Murall Dr

Kearneysville, WV 25430

Phone: (304) 264-7175

Services: Member Services, ATM

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