Mountain Credit Union
Major Rating Factors:
Excellent current capitalization (9.4 on a scale of 0 to 10) based on a net capital to total assets of 11.1 and a net worth ratio of 11.1. A current level of 3.5 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.9).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.5 on a scale of 0 to 10). Fair liquidity 4.3, driven by a liquidity ratio of 25.2 percent and a “hot money” ratio of 7.4 percent.
Asset Mix:
Consumer loans (32%), home mtgs (17%), securities (13%), comm loans (2%), other (36%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
1700 Russ Avenue
Waynesville, NC 28786
Waynesville, NC 28786
Phone Number
(828) 456-8627
NCUA Charter Number
Website
Largest Competitors
Raleigh, NC
Raleigh, NC
Winston-Salem, NC
Raleigh, NC
Waynesville, NC