MOUNTAINCREST

Charter #68253 | WA

100M-500M (1077 CUs) Micro
18 100M-500M in WA

MOUNTAINCREST has 7 strengths but faces 9 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 2.0% in tier
  • + Organic Growth Engine: Top 5.7% in tier
  • + ROA 0.41% above tier average
  • + Net Interest Margin 0.71% above tier average
  • + Strong member growth: 11.7% YoY
  • + Member Growth Rate: Top 3.2% in tier
  • + First Mortgage Concentration (%): Top 9.9% in tier

Key Concerns

Areas that may need attention

  • - Shrinking Wallet Share: Bottom 4.3% in tier
  • - Indirect Auto Dependency: Bottom 5.9% in tier
  • - Liquidity Overhang: Bottom 19.3% in tier
  • - Credit Quality Pressure: Bottom 20.6% in tier
  • - Margin Compression: Bottom 25.5% in tier
  • - Growth-at-Risk: Bottom 27.9% in tier
  • - Delinquency rate 0.62% above tier average
  • - AMR Growth Rate: Bottom 3.2% in tier
  • - Indirect Auto Concentration (%): Bottom 7.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (WA) National Avg Tier Percentile
Members 10,439
+11.7% YoY+11.8% QoQ
 -5.2K 15,628
-3.4% YoY
 65,720
+2.5% YoY
 33,089
+6.1% YoY
 33rd in tier
Assets $152.2M
+7.7% YoY+0.8% QoQ
 $-79.1M $231.3M
-0.0% YoY
 $1.2B
+3.7% YoY
 $547.7M
+7.8% YoY
 32nd in tier
Loans $95.9M
+1.0% YoY+2.2% QoQ
 $-51.9M $147.8M
-1.4% YoY
 $909.1M
+5.1% YoY
 $388.7M
+8.6% YoY
 32nd in tier
Deposits $131.6M
+7.3% YoY+0.5% QoQ
 $-68.7M $200.3M
-0.0% YoY
 $1.0B
+6.5% YoY
 $464.6M
+9.3% YoY
 31st in tier
ROA 1.2%
-8.3% YoY+6.3% QoQ
 +0.4% 0.8%
+15.5% YoY
 0.6%
+9.9% YoY
 0.7%
+273.4% YoY
 Top 21.8% in tier
NIM 4.3%
-1.1% YoY+0.4% QoQ
 +0.7% 3.6%
+6.9% YoY
 3.7%
+4.7% YoY
 3.7%
+5.0% YoY
 Top 14.2% in tier
Efficiency Ratio 67.4%
+4.8% YoY-2.3% QoQ
 -9.9% 77.3%
-3.0% YoY
 76.4%
-1.1% YoY
 79.1%
-3.3% YoY
 Bottom 19.9% in tier
Delinquency Rate 1.5%
+6.1% YoY+74.0% QoQ
 +0.6 0.9%
+7.6% YoY
 0.9%
-2.6% YoY
 1.2%
-0.9% YoY
 Top 14.9% in tier
Loan To Share 72.9%
-5.9% YoY+1.7% QoQ
 +0.2% 72.7%
-1.5% YoY
 76.9%
-2.2% YoY
 68.0%
-1.7% YoY
 47th in tier
AMR $21,791
-6.4% YoY-9.5% QoQ
 $-3K $24,363
+2.9% YoY
 $28,761
+2.7% YoY
 $19,418
+1.3% YoY
 46th in tier
CD Concentration 23.0%
+31.1% YoY+5.5% QoQ
 -1.5% 24.4%
+4.2% YoY
 22.3%
+2.5% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 41.5%
+3.8% YoY+3.3% QoQ
 +27.6% 14.0%
-5.8% YoY
 17.1%
-8.4% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (2)

Emerging Performer

growth
#39 of 627 • Top 2.0% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 1.20%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Member Growth (YoY): 11.69%
(Tier: 0.88%, National: 9.37%)
better than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank improving

Organic Growth Engine

growth
#105 of 603 • Top 5.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 11.69%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 1.20%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 41.53%
(Tier: 13.96%, National: 7.90%)
but worse than tier avg
603 of 1077 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Concerns (6)

Shrinking Wallet Share

decline
#44 of 244 • Bottom 4.3% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -6.36%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
244 of 1077 Community CUs have this signature | 346 nationally
↓ Shrinking -221 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#96 of 525 • Bottom 5.9% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 7.66%
(Tier: 4.61%, National: 3.04%)
but better than tier avg
Indirect Auto %: 41.53%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 11.69%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
525 of 1077 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank improving

Liquidity Overhang

risk
#299 of 552 • Bottom 19.3% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 13.64%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 72.89%
(Tier: 74.56%, National: 67.96%)
worse than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank worsening

Credit Quality Pressure

risk
#511 of 736 • Bottom 20.6% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.09% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank worsening

Margin Compression

decline
#108 of 136 • Bottom 25.5% in tier

Strong profitability track record but margins eroding. Something changed - rising costs or falling yields need addressing.

Why This Signature
Return on Assets: 1.20%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
ROA Change (YoY): -0.11% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Total Assets: $152.24M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
136 of 1077 Community CUs have this signature | 169 nationally
↓ Shrinking -43 CUs YoY | Rank worsening

Growth-at-Risk

risk
#418 of 446 • Bottom 27.9% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 1.04%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
Delinquency Change (YoY): 0.09% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 1077 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | New qualifier

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 1077 peers in tier

Top Strengths (9 metrics)

35
Member Growth Rate
growth
Value: 11.69%
Peer Avg: 0.72%
#35 of 1077 Top 3.2% in 100M-500M tier
108
First Mortgage Concentration (%)
balance_sheet
Value: 7.74%
Peer Avg: 30.43%
#108 of 1077 Top 9.9% in 100M-500M tier
143
Members Per Employee (MPE)
engagement
Value: 434.958
Peer Avg: 332.881
#143 of 1077 Top 13.2% in 100M-500M tier
153
Net Interest Margin (NIM)
profitability
Value: 4.29%
Peer Avg: 3.58%
#153 of 1077 Top 14.1% in 100M-500M tier
215
Efficiency Ratio
profitability
Value: 67.39%
Peer Avg: 77.28%
#215 of 1077 Top 19.9% in 100M-500M tier
227
Asset Growth Rate
growth
Value: 7.66%
Peer Avg: 4.70%
#227 of 1077 Top 21.0% in 100M-500M tier
235
Return on Assets (ROA)
profitability
Value: 1.20%
Peer Avg: 0.79%
#235 of 1077 Top 21.7% in 100M-500M tier
243
Deposit Growth Rate
growth
Value: 7.33%
Peer Avg: 4.69%
#243 of 1077 Top 22.5% in 100M-500M tier
264
Net Worth Ratio
risk
Value: 13.64%
Peer Avg: 12.15%
#264 of 1077 Top 24.4% in 100M-500M tier

Top Weaknesses (4 metrics)

1044
AMR Growth Rate
growth
Value: -6.36%
Peer Avg: 3.64%
#1044 of 1077 Bottom 3.2% in 100M-500M tier
993
Indirect Auto Concentration (%)
balance_sheet
Value: 41.53%
Peer Avg: 13.34%
#993 of 1077 Bottom 7.9% in 100M-500M tier
918
Total Delinquency Rate (60+ days)
risk
Value: 1.48%
Peer Avg: 0.86%
#918 of 1077 Bottom 14.9% in 100M-500M tier
824
Fee Income Per Member
profitability
Value: $116.05
Peer Avg: $174.31
#824 of 1077 Bottom 23.6% in 100M-500M tier