Mountain
Waynesville, NC · Charter 68531 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 7 branches
Q2 2026
$372.4MAssets
$214.0MLoans
$327.2MShares
$41.8MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 69% of credit unions under $1B in assets (rank 523 of 1683).
- Widest gap: efficiency ratio trails 68% of credit unions under $1B in assets (rank 1141 of 1682).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.59%
Rank 1,028 of 1,683
Net Interest Margin
4.18%
Rank 523 of 1,683
Efficiency Ratio
84.00%
Rank 1,141 of 1,682
Equity / Assets
11.22%
Rank 1,113 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.59% | 0.35% | 0.74% | 1.18% | Beats 39% | 1,028 / 1,683 | | |
| Return on Equity | 5.22% | 2.67% | 5.89% | 8.74% | Beats 44% | 936 / 1,681 | | |
| Net Interest Margin | 4.18% | 3.31% | 3.82% | 4.32% | Beats 69% | 523 / 1,683 | | |
| Efficiency Ratio | 84.00% | 68.91% | 78.20% | 86.93% | Beats 32% | 1,141 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.67% | 0.26% | 0.65% | 1.29% | Beats 49% | 854 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.22% | 10.44% | 12.89% | 16.53% | Beats 34% | 1,113 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.22% | 10.44% | 12.89% | 16.53% | Beats 34% | 1,113 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 65.40% | 52.61% | 69.38% | 83.50% | 43rd pctl | 967 / 1,683 | | |
| Loans / Assets | 57.46% | 44.71% | 59.18% | 70.72% | 46th pctl | 904 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |