State credit union · SALIDA, Colorado · NCUA charter #63704
Mountain River
Health score 62/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 62
- Health / 100
- $30.3M
- Total assets
- 2,991
- Members
- 6.5%
- Net-worth ratio
Mountain River scores 62/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $30.3M; members 2,991; net-worth ratio 6.48%; health rank #4,012 of 4,374; healthier than 8th of scored peers.
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NCUA 5300 Call Report Masthead
#4,012 of 4,374 health · 2025Q4Mountain River · health 62/100 · $30.3M · 2025Q4
Call Report peers
Mountain River in the assets neighbourhood
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Mountain River vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Mountain River sits in 60-64 with 179 others.
62 8th percentile higher than 8% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Mountain River vs $10M–$50M peers
- Delinquency Rate leads the peer set - 0.59% here, 1.15% peer average (-0.56 pp).
- Loan-to-Share Ratio trails the peer set - 49.44% here, 59.80% peer average (-10.36 pp).
Where Mountain River sits in Colorado
- Colorado health ordinal: #62 of 66.
- By total assets, Mountain River is #53 of 66 in Colorado.
- Member book place in Colorado: #49 of 66.
- One place up in Colorado, OPTIONS (#61) ties at 62/100; one place down, Haxtun Community (#63) scores 57/100, 5 points lower.
Mountain River: 2024Q4 → 2025Q4
Mountain River: total assets by quarter
2023Q4 to 2025Q4, NCUA 5300
- Assets moved +0.4% from $30.1M (2024Q4) to $30.3M (2025Q4).
- Membership moved -5.0% from 3,149 to 2,991 over the same window.
- Net-worth ratio shifted -1.56 pp (8.04% → 6.48%).
At 6.48%, this institution is below the 7.0% NCUA well-capitalized threshold.
How the 62/100 score is built
Mountain River gives up 38 points in total. Member Growth costs the most, 15 of its 15; Delinquency Rate loses the least, 0.9.
- Net Worth Ratio 18.6 pts
- Delinquency Rate 24.1 pts
- Return on Assets 9.2 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 10.1 pts
Mountain River vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 6.48% | -8.38 pp |
| Delinquency Rate | 0.59% | -0.56 pp |
| Return on Assets | 0.11% | -0.59 pp |
| Member Growth | -5.02% | - |
| Loan-to-Share Ratio | 49.44% | -10.36 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Call Report history - Mountain River
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $30.3M | 2,991 |
| 2024Q4 | $30.1M | 3,149 |
| 2023Q4 | $33.1M | 3,307 |
Credit Union Details
- Charter Number
- 63704
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Colorado
- City
- SALIDA
- Data Quarter
- 2025Q4
Nearby Credit Unions in Colorado
More federally-insured credit unions based in Colorado, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Similar total assets
Using this data
- Mountain River ranks #4,012 of 4,374 nationally on financial health and #62 of 66 in CO -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- School District 3 is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with School District 3
Frequently Asked Questions
Is Mountain River financially healthy?
Mountain River has a financial health score of 62/100 (Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #4,012 of 4,374 nationally on health and #62 of 66 in Colorado. Its net worth ratio is 6.48% and its delinquency rate 0.59%.
How does Mountain River compare to other credit unions?
Mountain River scores 62/100, higher than 8% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (0.59% vs 1.15%). Its widest shortfall is loan-to-share ratio (49.44% vs 59.80%).
How can I join Mountain River?
Membership eligibility for Mountain River depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Mountain River directly for current membership requirements and application steps.
Is my money safe at Mountain River?
Mountain River 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 River's net worth ratio of 6.48% is relative to 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.