MOUNTAIN
State-Chartered • Waynesville, North Carolina • Est. 1963
Quick Facts
- Charter Number
- #68531
- Type
- State-Chartered
- Established
- 1963
- Headquarters
- Waynesville, North Carolina 28786
- Address
- 1700 Russ Ave
- Branches
- 7
- ATMs
- 7
- Members
- 31,225
- Membership Type
- Community
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
Under CUScore's rules, this institution reports a net worth ratio of at least 10% and a delinquency rate below 1%. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
31,225 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | MOUNTAIN |
|---|---|
| Total Assets | $370.2M |
| Members | 31,225 |
| Loans Outstanding | $208.0M |
| Shares & Deposits | $325.5M |
| Net Worth | $41.1M |
| Net Worth Ratio | 11.11% |
| Loan-to-Share Ratio | 63.9% |
| Delinquency Rate | 0.69% |
| Net Income | +$441,058 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
Branch Locations
7 locations · 7 ATMs
Mountain Credit Union
3533 US 441 N
Whittier, NC 28789-8735
Mountain Credit Union
30 Highway 107
Sylva, NC 28779
Mountain Credit Union
1453 Sand Hill Rd
Candler, NC 28715
Mountain Credit Union
8005 NC Highway 141
Marble, NC 28905-5520
Mountain Credit Union
3270 Hendersonville Rd
Fletcher, NC 28732-9242
Who Can Join MOUNTAIN?
Membership Type: Community
Membership eligibility for MOUNTAIN may vary. Contact the credit union directly to confirm qualification requirements.
Contact MOUNTAIN directly or visit their website for the most accurate and up-to-date membership eligibility information.
Find More Credit Unions in North Carolina
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View North Carolina RankingsFrequently Asked Questions
MOUNTAIN is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, MOUNTAIN has 31,225 members and a potential membership field of 500,000 people.
MOUNTAIN's reported net worth ratio is 11.11% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
MOUNTAIN operates 7 branch locations and has access to 7 ATMs. The main office is located at 1700 Russ Ave, Waynesville, NC 28786.
MOUNTAIN was established in 1963. It is a state-chartered credit union chartered under charter number 68531. The institution has been serving members for 63 years.
Data sourced from the NCUA Quarterly Call Report (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or MOUNTAIN. All financial data is for informational purposes only.