MOUNTAIN AMERICA
Charter #24692 · SANDY, UT · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of $1.43M ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 9.41% sits at the 20th percentile of structural peers — worth a closer look.
- Net interest margin of 3.94% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 2.40% sits at the 75th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.03% sits at the 80th percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | MOUNTAIN AMERICA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $22.66B | 99th pct | 93th pct |
| Members | $1.43M | 99th pct | 93th pct |
| Net worth ratio | 9.41% | 20th pct | 20th pct |
| Return on average assets | 0.89% | 63th pct | 57th pct |
| Net interest margin | 3.94% | 86th pct | 82th pct |
| Cost of funds | 2.40% | 83th pct | 75th pct |
| Loan-to-share | 91.61% | 67th pct | 57th pct |
| Delinquency 60+ days | 1.03% | 80th pct | 80th pct |
| Net charge-off ratio | 1.30% | 94th pct | 90th pct |
| Loan growth YoY | 3.35% | 69th pct | 67th pct |
| Share growth YoY | 4.30% | 56th pct | 51th pct |
| Efficiency ratio | 61.23% | 14th pct | 21th pct |
structural peer set hash: bbda0b34f067cfbe303fcb36dde7ceb9… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.