MOUNTAIN Credit Union Profile

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MOUNTAIN

Charter #68531 | NCUA Region 2 | FISCU

Low-Income Designation: Yes

Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (828) 456-8627

Fax:

Founding Date: N/A

Website: http://www.mountaincu.org

Personnel & Operations

President: Webb, Joey

Manager: Woody, Amy

FT Employees: 75

PT Employees: 2

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 99

Branches: 7

Hours: M-Th 8:30am - 5:00pm Fri 8:30am - 5:30pm

Credit Union Profile Summary

MOUNTAIN is a FISCU Credit Union. With a total of 31,032 members ^[1], this institution manages approximately $362,348,089 in total assets ^[1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 10.93% ^[1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -5.66% ^[1].

Financial Snapshot

Total Assets ^[1]

$362,348,089

Total economic resources.

Total Loans ^[1]

$203,196,497

Total value of outstanding loans.

Total Deposits ^[1]

$320,949,736

Total funds deposited by members.

Members ^[1]

31,032

Number of active members.

Performance Ratios

Net Worth Ratio ^[1]

10.93%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) ^[1]

0.84%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio ^[1]

63.31%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) ^[1]

↑ 5.03%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) ^[1]

↓ -5.66%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) ^[1]

↑ 0.89%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

1700 Russ Ave

Waynesville, NC, 28786

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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

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Branch Locations

Found 8 branches reported by MOUNTAIN (Charter #68531).

Main Office

Mountain Credit Union Main Office

Type: Corporate Office

Type: Branch Office

3533 US 441 N

Whittier, NC 28789-8735

Phone: (828) 497-6211

Services: Member Services, ATM, Drive-Thru

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