Federal credit union · SANDY, Utah · NCUA charter #24692
Mountain America
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $21.86B
- Total assets
- 1,406,629
- Members
- 9.4%
- Net-worth ratio
Mountain America scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $21.86B; members 1,406,629; net-worth ratio 9.41%; health rank #1,332 of 4,374; healthier than 69th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,332 of 4,374 health · 2025Q4Mountain America · health 89/100 · $21.86B · 2025Q4
- RANK 89/100
- PHOTO 9.4%
- BOOK 1.37%
- CHARTER 0.88%
- NCUSIF $21.86B
- CAMELS 1,406,629
- HEALTH #1,332/4,374
- NW The Golden 1
- DELQ 24692
Call Report peers
Mountain America in the assets neighbourhood
Mountain America's $21.86B assets sit next to The Golden 1 ($21.46B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Mountain America vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
89 Top 31% higher than 69% 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 America - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #24692 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Mountain America: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 93.64% vs peer 83.90% (+9.74 pp).
- Largest lag: Net Worth Ratio at 9.41% vs peer 11.18% (-1.77 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Mountain America sits in Utah
- In Utah, health place is #22 of 53 on the same NCUA-ratio sort used nationally.
- Assets rank #2 of 53 inside Utah ($21.86B reported).
- Membership ranks #2 of 53 among Utah CUs with a reported count (1,406,629 members).
In-state ordinals use the live credit_unions table for UT only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Mountain America Call Report trajectory
Mountain America: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.6% from $21.86B (2025Q4) to $22.66B (2026Q1).
- Net-worth ratio shifted -0.11 pp (9.52% → 9.41%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 9.41%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 89/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 89.
- Net Worth Ratio 28.5 pts
- Delinquency Rate 17.2 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 13.3 pts
Mountain America vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.41% | -1.77 pp |
| Delinquency Rate | 1.37% | +0.50 pp |
| Return on Assets | 0.88% | +0.37 pp |
| Member Growth | 6.33% | - |
| Loan-to-Share Ratio | 93.64% | +9.74 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Call Report history - Mountain America
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $22.66B | - |
| 2025Q4 | $21.86B | 1,406,629 |
| 2024Q4 | $20.21B | 1,322,892 |
| 2023Q4 | $18.40B | 1,222,293 |
Credit Union Details
- Charter Number
- 24692
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- Over $500M
- State
- Utah
- City
- SANDY
- Data Quarter
- 2025Q4
Branch Locations (109)
Per its most recent NCUA branch filing, Mountain America runs 109 offices in 79 different cities across 5 states.
| Office | City |
|---|---|
| 0152 Mountain America Center (Main Office) | Sandy, UT |
| 0039 Altamont 15675 W | Altamont, UT |
| 0064 American Fork State St | American Fork, UT |
| 0113 Ammon 25th E | Ammon, ID |
| 0165 Apache Junction Old West Hwy | Apache Junction, AZ |
| 0168 Billings Main St | Billings, MT |
| 0119 Boise Ustick Rd | Boise, ID |
| 0134 Boise 3rd St | Boise, ID |
| 0078 Cedar City Main St | Cedar City, UT |
| 0118 Cedar City Royal Hunte Dr | Cedar City, UT |
| 0015 Centerville Marketplace Dr | Centerville, UT |
| 0172 Chandler Frye Rd | Chandler, AZ |
| 0124 Clinton 1800 N | Clinton, UT |
| 0179 Colorado City Central St | Colorado City, AZ |
| 0055 Midvale Union Park Ave | Cottonwood Heights, UT |
| 0053 Draper State St | Draper, UT |
| 0155 Duchesne Main St | Duchesne, UT |
| 0177 Eagle Mountain Eagle Mountain Blvd | Eagle Mountain, UT |
| 0117 Ephraim Main St | Ephraim, UT |
| 0132 Garden Valley Village Circle | Garden Valley, ID |
| 0146 Gilbert Gilbert Rd | Gilbert, AZ |
| 0056 Glendale Northern Ave | Glendale, AZ |
| 0150 Goodyear Yuma Rd | Goodyear, AZ |
| 0068 Heber Main St | Heber City, UT |
| 0161 Henderson St Rose Pkwy | Henderson, NV |
| 0067 Herriman 5600 W | Herriman, UT |
| 0120 Hurricane State St | Hurricane, UT |
| 0127 Idaho Falls Snake River Pkwy | Idaho Falls, ID |
| 0075 Kanab Center St | Kanab, UT |
| 0140 Kaysville 400 W | Kaysville, UT |
| 0142 Kearns 5600 W | Kearns, UT |
| 0059 Las Vegas Lake Mead Blvd | Las Vegas, NV |
| 0012 Layton Antelope Dr | Layton, UT |
| 0065 Lehi Timpanogos Hwy | Lehi, UT |
| 0008 Logan 1400 N | Logan, UT |
| 0125 Logan Main St | Logan, UT |
| 0191 Logan 1000 W | Logan, UT |
| 0130 Magna 3500 S | Magna, UT |
| 0137 Meridian Ten Mile Rd | Meridian, ID |
| 0138 Meridian Franklin Rd | Meridian, ID |
| 0033 Mesa Southern Ave | Mesa, AZ |
| 0181 Mesa Power Rd | Mesa, AZ |
| 0058 Mesquite Pioneer Blvd | Mesquite, NV |
| 0050 Midvale River Gate Dr | Midvale, UT |
| 0045 Holladay Murray Holladay Rd | Millcreek, UT |
| 0167 Missoula Reserve St | Missoula, MT |
| 0079 Moab Main St | Moab, UT |
| 0044 Murray State St | Murray, UT |
| 0136 Nampa 2nd Street S | Nampa, ID |
| 0182 North Ogden 2600 N | North Ogden, UT |
| 0009 Ogden Washington Blvd | Ogden, UT |
| 0069 Orem State St | Orem, UT |
| 0070 Orem 800 E | Orem, UT |
| 0035 Park City Newpark Blvd | Park City, UT |
| 0114 Payson State Hwy 198 | Payson, UT |
| 0163 Phoenix Tatum Blvd | Phoenix, AZ |
| 0188 Phoenix McDowell Rd | Phoenix, AZ |
| 0166 Pleasant Grove Pleasant Grove Blvd | Pleasant Grove, UT |
| 0122 Pocatello Yellowstone Ave | Pocatello, ID |
| 0159 Post Falls Seltice Way | Post Falls, ID |
| 0128 Price Price River Dr | Price, UT |
| 0170 Provo Cougar Blvd | Provo, UT |
| 0145 Queen Creek Ellsworth Loop Rd | Queen Creek, AZ |
| 0184 Queen Creek Combs Rd | Queen Creek, AZ |
| 0123 Reno Steamboat Pkwy | Reno, NV |
| 0129 Rexburg 2nd E | Rexburg, ID |
| 0074 Richfield Main St | Richfield, UT |
| 0063 Riverton 12600 S | Riverton, UT |
| 0038 Roosevelt 200 N | Roosevelt, UT |
| 0073 St George 3050 E | Saint George, UT |
| 0076 St George Sunset Blvd | Saint George, UT |
| 0077 St George River Rd | Saint George, UT |
| 0149 St George Mall Dr | Saint George, UT |
| 0019 Salt Lake 700 N | Salt Lake City, UT |
| 0025 Salt Lake State St | Salt Lake City, UT |
| 0030 Salt Lake 2100 S | Salt Lake City, UT |
| 0031 Salt Lake Redwood Rd | Salt Lake City, UT |
| 0041 Salt Lake 3300 S | Salt Lake City, UT |
| 0060 Sandy 10600 S | Sandy, UT |
| 0105 Sandy 9400 S | Sandy, UT |
| 0141 Sandy State St | Sandy, UT |
| 0156 Santa Clara Pioneer Pkwy | Santa Clara, UT |
| 0071 Saratoga Springs Crossroads Blvd | Saratoga Springs, UT |
| 0049 South Jordan 3451 W South Jordan Pkwy | South Jordan, UT |
| 0062 South Jordan 753 W South Jordan Pkwy | South Jordan, UT |
| 0157 South Jordan Daybreak Pkwy | South Jordan, UT |
| 0010 South Ogden 40th St | South Ogden, UT |
| 0173 South Salt Lake State St | South Salt Lake, UT |
| 0066 Spanish Fork Canyon Creek Pkwy | Spanish Fork, UT |
| 0032 Sparks Los Altos Pkwy | Sparks, NV |
| 0160 Springville 400 S | Springville, UT |
| 0126 Stansbury Park State Hwy 36 | Stansbury Park, UT |
| 0040 Taylorsville 4700 S | Taylorsville, UT |
| 0047 Kearns 4015 W | Taylorsville, UT |
| 0106 Taylorsville 5400 S | Taylorsville, UT |
| 0042 Tooele Main St | Tooele, UT |
| 0139 Twin Falls Blue Lakes Blvd N | Twin Falls, ID |
| 0034 Vernal 1818 W Hwy 40 | Vernal, UT |
| 0037 Vernal 801 W Hwy 40 | Vernal, UT |
| 0183 Vineyard 450 N | Vineyard, UT |
| 0092 Corporate Building - West Jordan | West Jordan, UT |
| 0043 West Jordan 9000 S | West Jordan, UT |
| 0048 West Jordan 7800 S | West Jordan, UT |
| 0111 H. Floyd Tanner Building | West Jordan, UT |
| 0178 West Jordan 5600 W | West Jordan, UT |
| 0036 West Valley 5600 W | West Valley City, UT |
| 0169 West Valley 3500 S | West Valley City, UT |
| 0186 West Valley Redwood Rd | West Valley City, UT |
| 0018 Woods Cross 500 W | Woods Cross, UT |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Utah
A look at other Utah credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for Mountain America
Two NCUA Call Report peer sets for Mountain America, both outside Utah so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($21.86B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (89/100 here).
Using this data
- Mountain America ranks #1,332 of 4,374 nationally on financial health and #22 of 53 in UT -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- America First is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with America First
- Rates and health both vary by institution, not just by state -- see how Utah credit unions compare overall before assuming this one is typical. Utah state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Mountain America financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Mountain America carries a financial health score of 89/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #1,332 of 4,374; by total assets it ranks #7 of 4,374 nationally (same basis as /rankings/largest); and #2 of 53 within Utah. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 9.41% net worth ratio and a 1.37% delinquency rate.
How does Mountain America compare to other credit unions?
Mountain America scores 89/100 on PlainCU's health composite, compared to a peer group average for Over $500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Mountain America?
Mountain America operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Mountain America directly for the exact boundaries and application steps.
Is my money safe at Mountain America?
Federal credit unions like Mountain America are 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 America's net worth ratio of 9.41% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Mountain America offer compared to banks?
Credit unions like Mountain America are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Mountain America directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.