Credit union
Mountain America Credit Union
Sandy, Utah, Salt Lake County, UT
$22.9B in total assets and 1,458,467 members, the 8th largest of 4,298 US credit unions and 2nd of 51 headquartered in Utah.
- NCUA charter
- 24692
- Charter
- Federal
- Chartered
- 1936
- NCUA insured since
- 1975
- Field of membership
- Multiple common bond - other
- Low-income designation
- Yes
- Website
- http://www.macu.com
At a glance
Compared with 23 US federally insured credit unions with $10 billion to $100 billion in assets, as of June 30, 2026.
| Measure | This credit union | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $22.9B | 74% | $17.3B | |
| Loans | $18.8B | 78% | $13.7B | |
| Deposits (shares) | $20.3B | 74% | $14.7B | |
| Members | 1,458,467 | 74% | 953,370 | |
| Return on assets | 0.89% | 44% | 0.90% | |
| Net interest income to assets | 4.00% | 91% | 3.18% | |
| Efficiency ratio | 60.7% | 44% | 62.6% | |
| Net worth ratio | 9.55% | 26% | 10.72% | |
| Loans to shares | 92% | 61% | 89% | |
| Cost of deposits | 2.46% | 83% | 2.21% |
Ratios are annualized from year-to-date figures. Return on assets uses average assets, as NCUA does. Cost of deposits includes dividends on shares.
Growth
Total assets grew 15.1% a year over 10 years and 11.7% a year over the last 5, including 1 merger in the last 10 years. Membership grew 7.8% a year over 5 years, to 1,458,467.
Mergers and acquisitions
| Closed | Absorbed | Assets at last filing |
|---|---|---|
| Apr 2018 | Dugway Federal Credit Union Credit union, Dugway, UT | $3M |
| Jan 2015 | Les Bois Credit Union Credit union, Garden City, ID | $83M |
| Jan 2014 | A+ Credit Union Credit union, Idaho Falls, ID | $15M |
| Apr 2012 | Pocahy Family Federal Credit Union Credit union, Pocatello, ID | $15M |
Where they operate
106 branches in 32 counties.
3 of 106 branch locations are approximate (ZIP code centers).
Largest counties by branches
| County | Branches | Share of all branches | Rank |
|---|---|---|---|
| Salt Lake County, UT | 30 | 7.7% | 1 of 96 |
| Utah County, UT | 12 | 6.9% | 4 of 32 |
| Maricopa County, AZ | 9 | 1.1% | 17 of 95 |
| Washington County, UT | 6 | 10.0% | 3 of 19 |
| Davis County, UT | 5 | 5.2% | 6 of 30 |
| Ada County, ID | 4 | 2.2% | 12 of 45 |
| Clark County, NV | 3 | 0.9% | 18 of 58 |
| Cache County, UT | 3 | 7.0% | 5 of 19 |
Credit unions do not report deposits by branch, so these are branch counts: this credit union's branches against every bank and credit union branch in the county. Rank is among all banks and credit unions with a branch there.
Branches by year
| Year end | Branches | Change |
|---|---|---|
| 2016 | 87 | |
| 2017 | 91 | +4 |
| 2018 | 94 | +3 |
| 2019 | 96 | +2 |
| 2020 | 98 | +2 |
| 2021 | 102 | +4 |
| 2022 | 101 | −1 |
| 2023 | 104 | +3 |
| 2024 | 106 | +2 |
| 2025 | 107 | +1 |
| Jun 2026 | 106 | −1 |
Member-serving offices as listed in NCUA call reports. Changes include branches gained in mergers.
Earnings and credit
Return on assets
Year to date, annualized, with the peer median.
Credit and capital
| This credit union | Peer median | |
|---|---|---|
| Delinquent loans, 60+ days | 1.30% | 0.91% |
| Net worth ratio | 9.55% | 10.72% |
| Loans to shares | 92% | 89% |
Delinquent loans are two or more months past due. Net worth is NCUA's capital measure for credit unions.
Related
Credit unions of similar size in Utah
Most branches in Salt Lake County, UT
Figures as of June 30, 2026 from the credit union's NCUA call report (Form 5300), NCUA's credit union locator and FFIEC merger records.