Blue Mountain Credit Union College Place, Washington
Blue Mountain Credit Union is a state-chartered credit union headquartered in College Place, WA, established in 1959 (NCUA charter 68280), and it is regulated and insured by the NCUA. At Q2 2026 it reported 4,431 members and total assets of $56.1M (up 0.5% from Q2 2025), the 60th largest of 73 credit unions headquartered in Washington. Its net worth ratio was 13.05% at Q2 2026, in the well capitalized band.
Also written as Blue Mountain CU
BankRegReports is independent of Blue Mountain Credit Union and never asks for online banking logins or passwords.
Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 68280
- Headquarters
- College Place, WA
- Established
- 1959
- Total assets, Q2 2026
- $56.1M
- Assets vs Q2 2025
- +0.5%
- Members, Q2 2026
- 4,431
- Net worth ratio, Q2 2026
- 13.05%
- Latest call report
- Q2 2026, NCUA 5300 · Blue Mountain Credit Union call report
- Asset rank in state
- 60th of 73 in Washington
- Routing number
- 323380326
- Branches
- 1
It has 77 fewer members than on June 30, 2025 (-1.7%). Its net worth ratio was up 0.11 percentage points from 12.94% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $24.6M of $37.8M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.31% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 13.05% net worth ratio is below that band's 14.31% median.
Credit unions similar in size in Washington
Frequently asked about Blue Mountain Credit Union
How big is Blue Mountain Credit Union?
At Q2 2026 it reported total assets of $56.1M and 4,431 members.
Where is Blue Mountain Credit Union headquartered?
It is headquartered in College Place, WA, United States.
When was Blue Mountain Credit Union founded?
It was established in 1959, per NCUA records.
Is Blue Mountain Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 68280): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Blue Mountain Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Blue Mountain Credit Union well capitalized?
Its net worth ratio was 13.05% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Blue Mountain Credit Union's delinquency ratio?
Its delinquency ratio was 1.31% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Blue Mountain Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 77.56% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- College Place, WA 99324
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1959
- NCUA Charter #
- 68280
- RSSD ID
- 24891
- Members
- 4,431
- Potential members
- 60,760
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 0 of 7 ranked measures and in the bottom quartile on 3.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 13.05% | 14.31% | 40th below |
| Return on assets Middle half of peers: 0.16% to 1.30% | -0.41% | 0.72% | 15th bottom |
| Return on equity Middle half of peers: 1.04% to 8.69% | -3.10% | 4.74% | 14th bottom |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 3.96% | 3.93% | 51st above |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 78.82% | 79.83% | 52nd above |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 1.25% | 0.78% | 24th bottom |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 1.31% | 0.86% | 39th below |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 5.21% | 4.70% | 70th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 77.56% | 58.92% | 77th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$56.1M total assets against $55.8M; $48.8M total shares and deposits against $48.5M; $37.8M total loans against $40.5M.
$7.3M net worth against $7.2M.
13.05% net worth ratio against 12.94%.
77.56% loan-to-share ratio against 83.52%.
1.31% delinquency ratio against 1.48%.
-0.41% return on assets against 0.90%; -3.10% return on equity against 6.99%.
3.96% net interest margin against 4.12%.
4,431 members against 4,508.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 13.05% | -0.41% | 1.31% | 77.56% |
| March 31, 2026 | 13.21% | 0.78% | 1.19% | 80.90% |
| December 31, 2025 | 13.27% | -0.13% | 0.96% | 82.48% |
| September 30, 2025 | 13.10% | 0.51% | 2.06% | 82.03% |
| June 30, 2025 | 12.94% | 0.90% | 1.48% | 83.52% |
| March 31, 2025 | 12.95% | 0.56% | 0.22% | 86.64% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 1% of the loan book, above the typical credit-union range. Worth watching the trend in coming quarters. BankRegReports early-warning band.
The credit union posted negative net income relative to assets in its latest filing. Credit unions build net worth only through retained earnings, so sustained losses gradually weaken capital. BankRegReports flag, negative earnings.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.