Charter 12470 · Parkersburg, WV
Mountain Heritage Federal Credit Union
Mountain Heritage Federal Credit Union is a federally chartered credit union in Parkersburg, West Virginia, with $47.0 million in assets and 8,671 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 14.52%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $47.0 million
- +2.8% in a year
- Members
- 8,671
- -1.2% in a year
- Net worth ratio
- 14.52%
- Peer median 13.88%
- Loans 60+ days late
- 3.24%
- Peer median 0.68%
- Loans outstanding
- $29.0 million
- -11.7% in a year
- Shares and deposits
- $39.9 million
- +2.2% in a year
- Branches
- 4
- 15 employees
- Opened
- 1958
- Federal charter
How Mountain Heritage Federal Credit Union compares
NCUA groups credit unions by size; Mountain Heritage Federal Credit Union is in the group with $10 million to $50 million (1,135 credit unions). Its net worth ratio of 14.52% is higher than that group's median of 13.88%, and its share of loans 60 or more days past due, 3.24%, is higher than the group median of 0.68%. Loans fell 11.7% over the year to Q2 2026, against a group median of a 2.4% fall.
By assets it ranks 24 of 74 credit unions headquartered in West Virginia. See all West Virginia credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $47.0 million | 8,671 | $29.0 million | 14.52% | 3.24% |
| Q1 2026 | $47.3 million | 8,873 | $30.0 million | 14.40% | 2.32% |
| Q4 2025 | $45.8 million | 8,545 | $30.5 million | 14.80% | 3.50% |
| Q3 2025 | $45.8 million | 8,784 | $31.6 million | 14.53% | 2.47% |
| Q2 2025 | $45.7 million | 8,779 | $32.8 million | 14.31% | 3.24% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 70,000 potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 4 sites for Mountain Heritage Federal Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Mountain Heritage FCU (main office)
1822 7Th St, Parkersburg, WV 26101 - MHFCU Beckley Branch
110 N Heber St, Beckley, WV 25801 - MHFCU Kearneysville
250 Murall Dr, Kearneysville, WV 25430 - Martinsburg
321 Aikens Ctr, Martinsburg, WV 25404
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology