Mountain

Waynesville, NC · 2 · Charter #68531 · www.mountaincu.org
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$365.9M
33th percentile
Members
31,129
56th percentile
Total loans
$203.7M
21th percentile
Total shares
$322.8M
36th percentile

Profitability

Return on assets
1.16%
64th percentile
Net interest margin
4.27%
89th percentile
Efficiency ratio
68.18%
16th percentile
Non-interest income ratio
19.59%
54th percentile

Capital & Risk

Net worth ratio
11.12%
53th percentile
Delinquency rate
0.79%
42th percentile
Net charge-off rate
0.53%
37th percentile
Loan-to-share
63.10%
17th percentile

Growth

Member growth YoY
0.88%
54th percentile
Asset growth YoY
5.16%
50th percentile
Loan growth YoY
-2.24%
17th percentile
Share growth YoY
4.22%
46th percentile

Operations

Members / branch
4,447
47th percentile
Assets / member
$11,755
11th percentile
Field of membership penetration
6.23%
61th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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