Mountaincrest Credit Union Arlington, Washington
Mountaincrest Credit Union is a state-chartered credit union headquartered in Arlington, WA, established in 1934 (NCUA charter 68253), and it is regulated and insured by the NCUA. At Q2 2026 it reported 10,315 members and total assets of $152.9M (up 1.3% from Q2 2025), the 35th largest of 73 credit unions headquartered in Washington. Its net worth ratio was 14.42% at Q2 2026, in the well capitalized band.
Also written as Mountaincrest CU
BankRegReports is independent of Mountaincrest 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
- 68253
- Headquarters
- Arlington, WA
- Established
- 1934
- Total assets, Q2 2026
- $152.9M
- Assets vs Q2 2025
- +1.3%
- Members, Q2 2026
- 10,315
- Net worth ratio, Q2 2026
- 14.42%
- Latest call report
- Q2 2026, NCUA 5300 · Mountaincrest Credit Union call report
- Asset rank in state
- 35th of 73 in Washington
- Routing number
- 325180566
- Branches
- 2
It has 979 more members than on June 30, 2025 (+10.5%). Its net worth ratio was up 1.01 percentage points from 13.41% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $32.5M of $98.0M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 2.22% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 14.42% net worth ratio is above that band's 11.43% median.
Credit unions similar in size in Washington
Frequently asked about Mountaincrest Credit Union
How big is Mountaincrest Credit Union?
At Q2 2026 it reported total assets of $152.9M and 10,315 members.
Where is Mountaincrest Credit Union headquartered?
It is headquartered in Arlington, WA, United States.
When was Mountaincrest Credit Union founded?
It was established in 1934, per NCUA records.
Is Mountaincrest Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 68253): 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 Mountaincrest 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 Mountaincrest Credit Union well capitalized?
Its net worth ratio was 14.42% 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 Mountaincrest Credit Union's delinquency ratio?
Its delinquency ratio was 2.22% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Mountaincrest Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 74.83% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Arlington, WA 98223
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1934
- NCUA Charter #
- 68253
- RSSD ID
- 719094
- Members
- 10,315
- Potential members
- 957,480
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 5 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 14.42% | 11.43% | 80th top |
| Return on assets Middle half of peers: 0.43% to 1.23% | 1.23% | 0.81% | 75th top |
| Return on equity Middle half of peers: 3.87% to 9.84% | 8.56% | 7.02% | 64th above |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 4.46% | 3.70% | 88th top |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 65.68% | 76.55% | 81st top |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 0.78% | 1.24% | 82nd top |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 2.22% | 0.68% | under 10th bottom |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 5.23% | 4.92% | 67th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 74.83% | 75.66% | 48th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$152.9M total assets against $151.0M; $130.9M total shares and deposits against $130.9M; $98.0M total loans against $93.8M.
$22.1M net worth against $20.3M.
14.42% net worth ratio against 13.41%.
74.83% loan-to-share ratio against 71.65%.
2.22% delinquency ratio against 0.85%.
1.23% return on assets against 1.36%; 8.56% return on equity against 10.13%.
4.46% net interest margin against 4.43%.
10,315 members against 9,336.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 14.42% | 1.23% | 2.22% | 74.83% |
| March 31, 2026 | 13.94% | 0.74% | 1.63% | 72.66% |
| December 31, 2025 | 13.88% | 1.48% | 1.87% | 72.90% |
| September 30, 2025 | 13.64% | 1.36% | 1.48% | 72.89% |
| June 30, 2025 | 13.41% | 1.36% | 0.85% | 71.65% |
| March 31, 2025 | 13.28% | 0.89% | 1.38% | 71.70% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 2% of the loan book, well above the credit-union industry norm of under 1%. Sustained high delinquency erodes net worth through charge-offs. BankRegReports band vs the <1% industry norm.
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.