# MOUNTAIN LAUREL
SAINT MARYS, PA · NCUA charter 20053 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/mountain-laurel-20053

Who the members are: federal charter, community charter, organized 1970. 17,905 members of 137,925 potential (13.0% of the field); checking penetration 43% (share draft accounts per 100 members); loans per 100 members 34.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $172.9M |
| Members | 17,905 (-1.9% YoY) |
| Full-time staff | 29 |
| Net worth | $33.3M |
| Net worth ratio | 19.3% (p95 of band) |
| ROA (annualized) | 2.17% (p97 of band) |
| Total delinquency | 0.05% (p4 of band) |
| Net charge-offs (annualized) | 0.09% (p22 of band) |
| Loans / shares | 56% (p27 of band) |
| Cash / assets | 52.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.16% (p78 of band) |
| Operating expense / assets | 2.74% (p19 of band) |
| Vehicles % of loans | 55% (p78 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p16 of band) |
| Vehicle delinquency | 0.04% (p8 of band) |
| Vehicle NCO | 0.02% (p17 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 28% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 13% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 86% |
| Certificates % of member funds | 9% |
| Average share balance | $4,828 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 34% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $12,879 |
| Loans granted, annualized | $26.1M |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | members leaving |  |
| 2018-06 | 1 | delinquency rising | members leaving |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 0 |  | delinquency rising |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | net worth falling |  |
| 2020-09 | 2 | margin squeeze, delinquency rising | net worth falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 | net worth falling | delinquency rising |
| 2021-06 | 1 |  | net worth falling |
| 2021-09 | 0 |  | margin squeeze |
| 2021-12 | 0 |  |  |
| 2022-03 | 3 | net worth falling, delinquency 2x band, delinquency rising |  |
| 2022-06 | 0 |  | net worth falling, delinquency 2x band, delinquency rising |
| 2022-09 | 1 | delinquency rising |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 0 |  | delinquency rising |
| 2023-06 | 1 | delinquency rising |  |
| 2023-09 | 1 | members leaving | delinquency rising |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 0 |  | members leaving |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 1 | delinquency rising |  |
| 2025-09 | 0 |  | delinquency rising |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2022-09-14 [James Reed Obituary (1968 - 2016) - Albion, PA - Ridgway Record - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxQZVBwSmNpR3ZrMmI5WEJsSzJyTkNFMHdvdktCSHFMMGtDcEYxM09XRVNieFZGLXFGeTVVeHR0V1FPWUxNWWhEWS1pR1huaHp1R0dKWFJCVXdQc05oV29nN1N0RkF4OTNzUnhObHpOaW4xRVc1SGtxUWx0UmE0WHhxRG42bTVKcG5ody1JX0tJeUE?oc=5) · legacy.com
- 2012-01-28 [Moose administrator charged with theft - Endeavor News](https://news.google.com/rss/articles/CBMigwFBVV95cUxOUTJyclN1MGVscnZhN25FclRROXdQV2otekMwdWpabVJiTlYwVjZnd2NDMUI2ck83M0lEaTRnVjVncHc1bWNka2QzeW5YdmtnWmhwUVp1dElSZ0dKeFMtUldSNWljdFFyUFE1ZzhOUnMzc1Nkb1N3NWhFVUVKV182dkJaYw?oc=5) · Endeavor News
- 2026-08-01 [Mural dedication brings ‘community’ downtown - - Times Observer](https://news.google.com/rss/articles/CBMingFBVV95cUxPT2w0Y2xnaWFXc0thVlVYcm1tZFNOeUx0WWJLQVR3bjA4MTZkbHplem9lanJNZXFDUzVJU3E0TFZURXVmQTBodGduWEFnYmp4dnRDU0RDLXFhcDQ1LTY4WWxVQjZGakRNelJyQmFsOE5SUjgwZWNLQlB4T2ZFS2d2WWVtQ0FtUWI1cjdzc04xbFFxMU05V2V3QXBBYWU3Zw?oc=5) · Times Observer
- 2009-06-10 [East Stroudsburg inducts five alumni into Hall of Fame - Pocono Record](https://news.google.com/rss/articles/CBMirwFBVV95cUxOZUgtcEhvQzBTTUFWVE1URTk1LVpmOXlMVEtuU0lGTUEycjBLU09CQTVHdUNQN3RxMFl6MmRHSktSNVJsdXA3QnV2MEVFOFp4cXpHeEdyY1JQMld6NGVfRGVSZGhmaVdiNi0tY1pIa2ZsZF91SkxiMi1XQ01naGM1VkpCTzQ4aFhaTmR0bG9sM1VTN1VFaEZMbld1S0dZNHFWU1ZFc25zR1pHV0lKbWVR?oc=5) · Pocono Record
- 2021-10-04 [Joseph Mallison Obituary (1928 - 2016) - Allison Park, PA - The Daily Press - legacy.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxOYWJnSkJnWDNRa3IwTHozN3RCNmhnNHBnRzBiRGs0b0hpLXN3QVRTYnUwWG5VRGdnazJ1aVdfTnlWajVhLVZpNnNGV0J1aUZEclU2QlFwbHp5WEVUOG93NmpCam1UZ0lLZ2txTTN1TjFlbXhBQVQ1M1hvODE5NGNwek5XMndtVm5wNEJQTkFlVVMtRjJib1E?oc=5) · legacy.com
- 2022-12-26 [Rita Wiesner Obituary (1928 - 2019) - St. Marys, PA - The Daily Press - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxNVDVDWjdpdWx1Y3AwQS1WZHVRSzNHRjdyUVo1VnlWZ2J6alFhZlhCWFVXU21qX1RQV3VLWU9XSV9nOElZLWpzRmZndXQ3TEJpQktwaVVyWWtvUTljMDN6ZXpJcTRMcDdDOVBtYVBQdERTcW05X21ucTEzOEtjQmhiamZVS1g4UlRfc0NOa1I3eGtFQQ?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=20053 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/21.json (key "20053", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=20053
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide