TellerScore

Mountaincrest Credit Union (NCUA charter #68253) is based in Arlington, Washington. Its Q2 2026 call report shows $152.9M in total assets and $130.9M in member shares and deposits and 2 offices.

Based on its Q2 2026 filing, Mountaincrest Credit Union scores 67/100, which we describe as moderate. That is higher than only 41% of 1,341 credit unions with $100 million – $1 billion. Among 73 credit unions headquartered in Washington, it ranks 46th. Its strongest component is capital cushion (94/100; 14.42%), and its lowest is loan quality (26/100; 2.22%).

TellerScore · Q2 2026

Scorecard

Capital cushion94/100
Net worth ratio: 14.42%
Loan quality26/100
Loans 60+ days delinquent ÷ total loans: 2.22%
Earnings60/100
Return on assets (annualized): 0.99%
Funding & liquidity85/100
Loans ÷ shares: 74.8% · 5.5% uninsured
Problem-loan coverage74/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 13.03%

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.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 12 points (79 → 67), mostly because the loan quality component weakened by 46 points.

TellerScore
677379Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202471
Q3 202474
Q4 202471
Q1 202571
Q2 202579
Q3 202574
Q4 202571
Q1 202669
Q2 202667
Net worth ratio
7.00%10.71%14.42%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.92%
Q3 202413.41%
Q4 202413.34%
Q1 202513.28%
Q2 202513.41%
Q3 202513.64%
Q4 202513.88%
Q1 202613.94%
Q2 202614.42%
Delinquent loans (60+ days)
0.85%1.53%2.22%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.46%
Q3 20241.39%
Q4 20241.71%
Q1 20251.38%
Q2 20250.85%
Q3 20251.48%
Q4 20251.87%
Q1 20261.63%
Q2 20262.22%
Return on assets
0.74%1.03%1.32%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.31%
Q3 20241.32%
Q4 20241.29%
Q1 20250.89%
Q2 20251.12%
Q3 20251.19%
Q4 20251.26%
Q1 20260.74%
Q2 20260.99%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202667$152.9M14.42%2.22%0.99%74.8%
Q1 202669$154.8M13.94%1.63%0.74%72.7%
Q4 202571$153.4M13.88%1.87%1.26%72.9%
Q3 202574$152.2M13.64%1.48%1.19%72.9%
Q2 202579$151.0M13.41%0.85%1.12%71.7%
Q1 202571$148.6M13.28%1.38%0.89%71.7%
Q4 202471$145.4M13.34%1.71%1.29%73.9%
Q3 202474$141.4M13.41%1.39%1.32%77.4%
Q2 202471$143.3M12.92%1.46%1.31%79.6%

1,341 peers · $100 million – $1 billion

How it compares with peers

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

Capital ratio14.42%
82nd
Problem loans2.22%
4th
Net charge-offs0.96%
11th
Return on assets0.99%
66th
Loans to deposits74.8%
52nd
Uninsured deposits5.5%
54th
Loan-loss reserves0.00%
50th
Texas ratio13.0%
7th

Similar-size credit unions in Washington

InstitutionScoreAssetsCapitalProblem loansCompare
Cheney Federal Credit UnionCredit union Cheney, WA69 out of 100, Moderate$147.9M10.0%0.55%vs
Wcla Credit UnionCredit union Olympia, WA86 out of 100, Very strong$141.9M17.5%0.29%vs
Alaska Air Group Federal Credit UnionCredit union Seatac, WA89 out of 100, Very strong$135.9M14.6%0.30%vs
Tacoma Longshoremen Credit UnionCredit union Tacoma, WA84 out of 100, Strong$116.9M13.6%0.07%vs
White River Credit UnionCredit union Enumclaw, WA82 out of 100, Strong$114.2M17.3%1.01%vs
Canopy Federal Credit UnionCredit union Spokane, WA51 out of 100, Below average$222.0M9.0%0.86%vs

Deposit insurance

Is my money safe at Mountaincrest Credit Union?

Yes. Mountaincrest Credit Union is a federally insured credit union (NCUA charter #68253). 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 5.5% of shares and deposits ($7.2M) 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 14.42%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Mountaincrest Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Mountaincrest Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
68253
RSSD ID
719094
Primary regulator
State + NCUA
Established
1934
Headquarters
3710 168th St Ne Ste A108, Arlington, WA 98223
Employees
23

Quick answers

Mountaincrest Credit Union: common questions

Is Mountaincrest Credit Union NCUA insured?

Yes. Mountaincrest Credit Union is a federally insured credit union (NCUA charter #68253). 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.

What is Mountaincrest Credit Union's TellerScore?

67 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Mountaincrest Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Arlington

InstitutionScoreAssetsCapitalProblem loansCompare
Qualstar Credit UnionCredit union Bothell, WA80 out of 100, Strong$939.3M16.0%1.41%vs
Peoples BankBank Bellingham, WA78 out of 100, Strong$2.4B13.3%0.11%vs
Northwest Plus Credit UnionCredit union Everett, WA77 out of 100, Strong$315.2M13.6%0.80%vs
Native American Bank, National AssociationBank Denver, CO77 out of 100, Strong$362.0M14.4%0.94%vs
Boeing Employees Credit UnionCredit union Tukwila, WA75 out of 100, Strong$29.6B12.6%0.42%vs
Banner BankBank Walla Walla, WA72 out of 100, Strong$16.6B11.2%0.46%vs