Sep, 30, 2025 — MOUNTAIN LAUREL FEDERAL CREDIT UNION is a federal credit union headquartered in SAINT MARYS, PA with 6 branch locations and about $162.87 million in total assets. Opened 56 years ago in 1970, MOUNTAIN LAUREL FEDERAL CREDIT UNION has about 18,035 members and employs 39 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | MOUNTAIN LAUREL FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 413 S Michael St SAINT MARYS, PA 15857 |
| Phone: | (814) 834-9518 |
| Fax: | (814) 781-1646 |
| Website: | https://www.mlfcu.net |
| Branches: | 6 branch locations |
| Members: | 18,035 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 20053 |
|---|---|
| Membership Type: | Community credit unions, urban or rural, other than those designated 'low income' |
| Corporate Credit Union: | No |
| Year Opened: | 1970 |
| Last Audited: | Sep 01, 2024 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $162,870,325 |
| CEO/Manager: | Rena Sennett |
| Chairperson: | Daniel D Jones |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 10,653,598 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 21,337,075 |
| Unsecured Loans | 12,661,998 |
| Other Loans | 46,013,081 |
| TOTAL LOANS | 80,505,128 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -581,951 |
| Land And Building | 849,661 |
| Other Fixed Assets | 188,136 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 1,277,850 |
| All Other Assets | 0 |
| TOTAL ASSETS | 162,870,325 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 333,329 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 268,313 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 23,275,481 |
| Regular shares | 90,763,802 |
| All Other Shares & Deposits | 16,910,177 |
| TOTAL SHARES & DEPOSITS | 130,949,460 |
| TOTAL LIABILITIES | 131,551,102 |
| Regular Reserve | 0 |
| Other Reserves | 2,798,428 |
| Undivided Earnings | 28,520,795 |
| TOTAL EQUITY | 31,319,223 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 162,870,325 |
| INCOME & EXPENSE | |
| Loan Income | 3,471,251 |
| Investment Income | 2,485,225 |
| Other Income | 428,034 |
| Total Employee Compensation & Benefits | 1,489,760 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 1,847,648 |
| Non-operating Income & (Expense) | 201,974 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | -2,374 |
| Cost of Funds | 549,806 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 3,314,693 |
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