Credit Union Safety Analysis
Is Mountaincrest Credit Union Safe? Arlington, Washington
Based on its Q2 2026 NCUA 5300 call report, Mountaincrest Credit Union has a net worth ratio of 14.42%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 2.22%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Mountaincrest Credit Union's net worth ratio is 14.42%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 14.42%
- Delinquency ratio (60+ days) (Q2 2026): 2.22%
- Return on assets (Q2 2026): 1.23%
- Loan-to-share ratio (Q2 2026): 74.83%
Mountaincrest Credit Union (NCUA charter 68253, established 1934) reported $152.9M in assets and 10,315 members for Q2 2026 from Arlington, Washington. It ranks 35 of 73 credit unions in Washington by total assets. Total assets grew 1.3% from $151.0M on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 13.94% for Q1 2026; 13.41% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 1.63% for Q1 2026; 0.85% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.74% for Q1 2026; 1.36% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 72.66% for Q1 2026; 71.65% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $32.5M
- Used vehicle loans: $30.0M
- New vehicle loans: $18.2M
- Other secured non-real estate loans and lines of credit: $12.7M
- Unsecured credit card loans: $3.7M
- Other unsecured loans and lines of credit: $977K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $152.9M | 14.42% | 2.22% | 1.23% | 74.83% |
| March 31, 2026 | $154.8M | 13.94% | 1.63% | 0.74% | 72.66% |
| December 31, 2025 | $153.4M | 13.88% | 1.87% | 1.48% | 72.90% |
| September 30, 2025 | $152.2M | 13.64% | 1.48% | 1.36% | 72.89% |
| June 30, 2025 | $151.0M | 13.41% | 0.85% | 1.36% | 71.65% |
| March 31, 2025 | $148.6M | 13.28% | 1.38% | 0.89% | 71.70% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Mountaincrest Credit Union profile
Regulator records: NCUA credit union profile (charter 68253) · FFIEC NIC profile (RSSD 719094)
Frequently asked questions
Is Mountaincrest Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Mountaincrest Credit Union's net worth ratio is 14.42%, above the 7% NCUA threshold for well capitalized.
Is Mountaincrest Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Mountaincrest Credit Union is a federally insured credit union (NCUA charter 68253): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Mountaincrest Credit Union's key safety ratios?
For Q2 2026, Mountaincrest Credit Union reports net worth 14.42%, delinquency 2.22%, ROA 1.23%, loan-to-share 74.83%.
What happens to my money if Mountaincrest Credit Union fails?
For Q2 2026, Mountaincrest Credit Union held $130.9M in shares and deposits for 10,315 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.