credit union

Mountain

Waynesville, NC · Est. 1963
A
Trust Grade
Excellent
Score: 91/100

Mountain is a credit union based in Waynesville, North Carolina, established in 1963, with $370 million in total assets serving 31,225 members. By Trust Grade it ranks 39th of 57 credit unions we track in North Carolina. Its net worth ratio of 11.1% trails most similarly sized credit unions (48th percentile), versus a North Carolina median of 12.7%. It was profitable over the most recent period, with a 0.48% return on assets. No consumer complaints against Mountain appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets
$370.2M
$100M–1B institution
Members
31,225
Shares & deposits
—
Net worth ratio
11.1%
Bottom 48% of $100M–1B peers · North Carolina median 12.7%
Return on assets
0.5%
Bottom 35% of $100M–1B peers · North Carolina median 0.58%
Rank in North Carolina
#39
of 57 credit unions

How Mountain compares to North Carolina peers

Net worth ratio
Bottom 48% of $100M–1B peers
Mountain
11.1%
North Carolina median
12.7%
Higher capital ratio = stronger financial cushion
Return on assets
Bottom 35% of $100M–1B peers
Mountain
0.5%
North Carolina median
0.6%
Higher ROA = more profitable relative to asset base

How we graded Mountain

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
91/100
Customer experience
n/a
Overall
A · 91
  • Strongly capitalized (11.1% capital ratio)
  • Profitable (ROA 0.48%)
  • No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for Mountain over the analysis window. For a smaller institution this is common and counts in its favor.

Are deposits at Mountain insured?

Yes. Mountain is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.

Mountain: frequently asked questions

Is Mountain a good credit union?

Mountain earns a Bankzia Trust Grade of A (91/100, "Excellent"), based on a financial-strength score of 91/100 (it has no CFPB complaints on record). Strongly capitalized (11.1% capital ratio); Profitable (ROA 0.48%).

Is Mountain NCUA-insured?

Yes. Mountain is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.

How big is Mountain?

Mountain holds $370 million in total assets, ranking 39th of 57 credit unions we track in North Carolina. It serves 31,225 members.

Does Mountain have CFPB complaints?

No CFPB complaints against Mountain appear in our data over the analysis window, which is typical for a credit union of this size.

Similar Credit Unions

Summit
credit union · Greensboro, NC · $369M assets
Piedmont Advantage Credit Union
credit union · Winston Salem, NC · $383M assets
Telco Community Credit Union
credit union · Candler, NC · $424M assets
First Flight
credit union · Cary, NC · $278M assets
Members
credit union · Winston Salem, NC · $482M assets
Carolinas Telco
credit union · Charlotte, NC · $514M assets

Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.

From the Blog

View all guides →
Stacks of coins of increasing height — representing savings held at a bank
Banking Guides
How Much Money Should You Keep in One Bank?
FDIC and NCUA insurance covers $250,000 per depositor, per ownership category, per institution. Here's how to think about how much to keep at a single bank — and when to spread it out.
June 25, 2026 · 4 min read
A jar of coins with a small plant growing out of it — representing savings growth
Banking Guides
High-Yield Savings Accounts: What to Know in 2026
High-yield savings accounts can pay many times the national average rate — with the same FDIC insurance as any other deposit. Here's how they work and what to watch for.
June 25, 2026 · 4 min read
A person using a card reader at a counter — representing everyday banking
Banking Guides
Are Credit Unions Safer Than Banks?
Credit unions and banks are insured by different agencies but to the same $250,000 limit. Here's what 'safer' really means — and where the two genuinely differ.
June 25, 2026 · 4 min read
A person reviewing finances on a laptop with a notebook — representing switching banks
Banking Guides
How to Switch Banks Without the Headache
Switching banks sounds painful, but a clean move comes down to a short checklist: open the new account, move your automatic payments, then close the old one carefully.
June 25, 2026 · 5 min read
Financial data on a computer screen showing bank performance metrics
State Guides
Most Trustworthy Banks in Wisconsin (2026)
We analyzed all 154 FDIC-insured banks headquartered in Wisconsin using financial strength and CFPB complaint data. Here are the most trustworthy banks in the state.
June 25, 2026 · 8 min read
Person using a contactless payment card at a terminal
State Guides
Most Trustworthy Credit Unions in Wisconsin (2026)
We analyzed all 99 NCUA-insured credit unions in Wisconsin by net worth ratio, ROA, and CFPB complaint data. Here are the most trustworthy.
June 25, 2026 · 7 min read
Stacked financial documents representing bank complaint records
State Guides
Banks to Avoid in Wisconsin: Lowest Trust Grade Ratings (2026)
2 banks in Wisconsin earned a D or F Trust Grade. Here are the lowest-rated FDIC-insured banks in the state — and what the warning signs mean for depositors.
June 25, 2026 · 7 min read
Customer service interaction at a financial institution
State Guides
Credit Unions to Avoid in Wisconsin: Lowest Trust Grade Ratings (2026)
1 credit unions in Wisconsin earned a D or F Trust Grade. Here are the lowest-rated NCUA-insured credit unions in the state — and what the warning signs mean.
June 25, 2026 · 7 min read
Financial data on a computer screen showing bank performance metrics
State Guides
Most Trustworthy Banks in Michigan (2026)
We analyzed all 73 FDIC-insured banks headquartered in Michigan using financial strength and CFPB complaint data. Here are the most trustworthy banks in the state.
June 25, 2026 · 8 min read