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.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#4,012 of 4,374 health · 2025Q4Mountain River · health 62/100 · $30.3M · 2025Q4
- CAMELS 62/100
- HEALTH 6.5%
- NW 0.59%
- DELQ 0.11%
- ROA $30.3M
- ASSETS 2,991
- MEM #4,012/4,374
- RANK Baldwin County
- PHOTO 63704
Call Report peers
Mountain River in the assets neighbourhood
Mountain River's $30.3M assets sit next to Baldwin County ($30.3M) 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 River 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
62 8th percentile higher than 8% 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 River - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #63704: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
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).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for CO only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Mountain River: 2024Q4 → 2025Q4
Mountain River: total assets by quarter
3 Call Report filings on this page's own vintage chain
- 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%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 6.48%, this institution is below the 7.0% NCUA well-capitalized threshold.
How the 62/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 62.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
Mountain River's nationwide photo peers by assets and by health score, excluding Colorado charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($30.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (62/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Colorado credit unions compare overall before assuming this one is typical. Colorado 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 River financially healthy?
Yes/no aside, the number is 62/100 (Good) - Mountain River's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,012 of 4,374; by total assets it ranks #2,843 of 4,374 nationally (same basis as /rankings/largest); and #53 of 66 within Colorado. Above 80 reads excellent, below 50 warrants closer monitoring; a 6.48% net worth ratio and 0.59% delinquency rate are the key drivers.
How does Mountain River compare to other credit unions?
62/100 is Mountain River's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 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?
Federal credit unions like Mountain River 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 River's net worth ratio of 6.48% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does Mountain River offer compared to banks?
Credit unions like Mountain River 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 River 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.