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
- 31,129
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
31,129 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | MOUNTAIN |
|---|---|
| Total Assets | $365.9M |
| Members | 31,129 |
| Loans Outstanding | $203.7M |
| Shares & Deposits | $322.8M |
| Net Worth | $40.7M |
| Net Worth Ratio | 11.12% |
| Loan-to-Share Ratio | 63.1% |
| Delinquency Rate | 0.79% |
| Net Income | +$4,244,527 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
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.
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View North Carolina RankingsFrequently Asked Questions
Yes. MOUNTAIN is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, MOUNTAIN has 31,129 members and a potential membership field of 500,000 people.
MOUNTAIN's net worth ratio is 11.12% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 11.1%, MOUNTAIN meets this threshold.
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 (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or MOUNTAIN. All financial data is for informational purposes only.