MOUNTAIN
Charter #68531 · Waynesville, NC · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 31,225 ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.09% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 85.59% sits at the 79th 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 | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $370.18M | 85th pct | 84th pct |
| Members | 31,225 | 95th pct | 87th pct |
| Net worth ratio | 11.11% | 45th pct | 57th pct |
| Return on average assets | 0.48% | 34th pct | 28th pct |
| Net interest margin | 4.09% | 76th pct | 79th pct |
| Cost of funds | 1.00% | 38th pct | 49th pct |
| Loan-to-share | 63.90% | 34th pct | 31th pct |
| Delinquency 60+ days | 0.69% | 57th pct | 54th pct |
| Net charge-off ratio | 0.66% | 76th pct | 62th pct |
| Loan growth YoY | 3.04% | 75th pct | 80th pct |
| Share growth YoY | 2.63% | 37th pct | 31th pct |
| Efficiency ratio | 85.59% | 74th pct | 79th pct |
structural peer set hash: 9beaf671323953be35b9373cfaa77d5d… (reproducible)
Closest structural peers
This is the free public view
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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.