The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

The score has been essentially flat from Q2 2025 to Q2 2026 (70 → 70).

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size credit unions in North Carolina

Yes. Mountain Credit Union is a federally insured credit union (NCUA charter #68531). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 6.6% of shares and deposits ($21.7M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 11.22%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Mountain Credit Union lists 7 offices in 7 cities. Most locations:

• Candler, NC (1)
• Fletcher, NC (1)
• Franklin, NC (1)
• Marble, NC (1)
• Sylva, NC (1)
• Waynesville, NC (1)
• Whittier, NC (1)

All branch addresses and map

In 2025, Mountain Credit Union reported 51 home-loan applications under HMDA (LEI 549300DN6A0I2MKQYG08): 34 originated ($7,560,000 total), 8 denied, and 9 withdrawn or closed by the applicant. Its denial rate on decided applications was 19.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

Mountain Credit Union

Type

Federally insured state-chartered credit union

NCUA charter #

68531

RSSD ID

585084

Primary regulator

State + NCUA

Established

1963

Headquarters

1700 Russ Ave, Waynesville, NC 28786

Employees

83