State credit union · Waynesville, North Carolina · NCUA charter #68531
MOUNTAIN
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $365.9M
- Total assets
- 31,129
- Members
- 11.1%
- Net-worth ratio
MOUNTAIN scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $365.9M; members 31,129; net-worth ratio 11.11%; health rank #959 of 4,374; healthier than 77th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#959 of 4,374 health · 2025Q4MOUNTAIN · health 91/100 · $365.9M · 2025Q4
Call Report peers
MOUNTAIN in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
MOUNTAIN vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); MOUNTAIN sits in 90-94 with 747 others.
91 Top 23% higher than 77% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
MOUNTAIN: Call Report deltas vs peers
- Return on Assets leads the peer set - 0.76% here, 0.62% peer average (+0.13 pp).
- Largest lag: Loan-to-Share Ratio at 63.10% vs peer 72.20% (-9.10 pp).
MOUNTAIN: in-state Call Report ranks
- North Carolina health ordinal: #13 of 57.
- By total assets, MOUNTAIN is #17 of 57 in North Carolina.
- North Carolina membership ordinal: #17 of 57.
- One place up in North Carolina, ALLEGACY (#12) ties at 91/100; one place down, Oteen V. a. (#14) scores 89/100, 2 points lower.
Quarter path for MOUNTAIN
MOUNTAIN: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.2% from $365.9M (2025Q4) to $370.2M (2026Q1).
- Net-worth ratio shifted -0.01 pp (11.12% → 11.11%).
This credit union's 11.11% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 91/100 score is built
MOUNTAIN gives up 9 points in total. Member Growth costs the most, 4.9 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.1 pts
- Return on Assets 15.0 pts
- Member Growth 10.1 pts
- Loan-to-Share Ratio 13.8 pts
Call Report ratios for MOUNTAIN
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.11% | -1.00 pp |
| Delinquency Rate | 0.79% | -0.10 pp |
| Return on Assets | 0.76% | +0.13 pp |
| Member Growth | 0.88% | - |
| Loan-to-Share Ratio | 63.10% | -9.10 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
MOUNTAIN quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $370.2M | - |
| 2025Q4 | $365.9M | 31,129 |
| 2024Q4 | $348.0M | 30,856 |
| 2023Q4 | $341.0M | 30,368 |
Credit Union Details
- Charter Number
- 68531
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- North Carolina
- City
- Waynesville
- Data Quarter
- 2025Q4
Branch Locations (7)
MOUNTAIN operates 7 offices across 7 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Mountain Credit Union (Main Office) | Waynesville, NC |
| Mountain Credit Union | Candler, NC |
| Mountain Credit Union | Fletcher, NC |
| Mountain Credit Union | Franklin, NC |
| Mountain Credit Union | Marble, NC |
| Mountain Credit Union | Sylva, NC |
| Mountain Credit Union | Whittier, NC |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in North Carolina
A look at other North Carolina credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for MOUNTAIN
Using this data
- MOUNTAIN ranks #959 of 4,374 nationally on financial health and #13 of 57 in NC -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- SUMMIT is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with SUMMIT
Frequently Asked Questions
Is MOUNTAIN financially healthy?
On its 2025Q4 NCUA 5300 filing, MOUNTAIN scores 91/100 (Excellent), with a 11.11% net worth ratio and 0.79% of loans delinquent. It ranks #959 of 4,374 nationally on health and #13 of 57 in North Carolina.
How does MOUNTAIN compare to other credit unions?
MOUNTAIN scores 91/100, higher than 77% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is return on assets (0.76% vs 0.62%). Its widest shortfall is loan-to-share ratio (63.10% vs 72.20%).
How can I join MOUNTAIN?
Membership eligibility for MOUNTAIN depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact MOUNTAIN directly for current membership requirements and application steps.
Is my money safe at MOUNTAIN?
MOUNTAIN is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. MOUNTAIN's net worth ratio of 11.11% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.