Charter 68531 · Waynesville, NC
Mountain Credit Union
Mountain Credit Union is a state-chartered credit union in Waynesville, North Carolina, with $372 million in assets and 31,379 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 11.22%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $372 million
- +2.8% in a year
- Members
- 31,379
- +1.1% in a year
- Net worth ratio
- 11.22%
- Peer median 11.65%
- Loans 60+ days late
- 0.67%
- Peer median 0.70%
- Loans outstanding
- $214 million
- +5.3% in a year
- Shares and deposits
- $327 million
- +2.0% in a year
- Branches
- 7
- 83 employees
- Opened
- 1963
- North Carolina charter
How Mountain Credit Union compares
NCUA groups credit unions by size; Mountain Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 11.22% is lower than that group's median of 11.65%, and its share of loans 60 or more days past due, 0.67%, is about the same as the group median of 0.70%. Loans grew 5.3% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 16 of 57 credit unions headquartered in North Carolina. See all North Carolina credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $372 million | 31,379 | $214 million | 11.22% | 0.67% |
| Q1 2026 | $370 million | 31,225 | $208 million | 11.11% | 0.69% |
| Q4 2025 | $366 million | 31,129 | $204 million | 11.12% | 0.79% |
| Q3 2025 | $360 million | 31,082 | $202 million | 11.24% | 0.81% |
| Q2 2025 | $362 million | 31,032 | $203 million | 10.93% | 0.85% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 500,000 potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 7 sites for Mountain Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Mountain Credit Union
3533 Us 441 N, Whittier, NC 28789 - 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 - Mountain Credit Union
3270 Hendersonville Rd, Fletcher, NC 28732 - Mountain Credit Union
746 E Main St, Franklin, NC 28734 - Mountain Credit Union (main office)
1700 Russ Ave, Waynesville, NC 28786
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology