MOUNTAIN HERITAGE
Federal • PARKERSBURG, West Virginia • Est. 1958
Quick Facts
- Charter Number
- #12470
- Type
- Federal
- Established
- 1958
- Headquarters
- PARKERSBURG, West Virginia 26101
- Address
- 1822 7TH ST
- Branches
- 4
- ATMs
- 6
- Members
- 8,545
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Below-average financial health. Net worth ratio may be approaching regulatory minimums. Members' deposits remain insured up to $250,000.
Financial Overview
Total Assets
Members
8,545 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | MOUNTAIN HERITAGE |
|---|---|
| Total Assets | $45.8M |
| Members | 8,545 |
| Loans Outstanding | $30.5M |
| Shares & Deposits | $38.9M |
| Net Worth | $6.8M |
| Net Worth Ratio | 14.80% |
| Loan-to-Share Ratio | 78.5% |
| Delinquency Rate | 3.50% |
| Net Income | +$1,077,194 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
4 locations · 6 ATMs
Mountain Heritage FCU
Main Office1822 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 25404-6204
Who Can Join MOUNTAIN HERITAGE?
Membership Type: Community
Membership eligibility for MOUNTAIN HERITAGE may vary. Contact the credit union directly to confirm qualification requirements.
Contact MOUNTAIN HERITAGE directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View West Virginia RankingsFrequently Asked Questions
Yes. MOUNTAIN HERITAGE is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, MOUNTAIN HERITAGE has 8,545 members and a potential membership field of 70,000 people.
MOUNTAIN HERITAGE's net worth ratio is 14.80% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 14.8%, MOUNTAIN HERITAGE meets this threshold.
MOUNTAIN HERITAGE operates 4 branch locations and has access to 6 ATMs. The main office is located at 1822 7th St, Parkersburg, WV 26101.
MOUNTAIN HERITAGE was established in 1958. It is a federal credit union chartered under charter number 12470. The institution has been serving members for 68 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or MOUNTAIN HERITAGE. All financial data is for informational purposes only.