credit union

Mountain America

Sandy, UT · Est. 1936
D
Trust Grade
Below average
Score: 67/100

Mountain America is a credit union based in Sandy, Utah, established in 1936, with $22.7 billion in total assets serving 1,433,256 members. By Trust Grade it ranks 52nd of 52 credit unions we track in Utah. Its net worth ratio of 9.4% trails most similarly sized credit unions (26th percentile), versus a Utah median of 12.1%. It was profitable over the most recent period, with a 0.87% return on assets. Consumers filed 593 complaints about MOUNTAIN AMERICA FEDERAL CREDIT UNION with the CFPB — 26.2 per $1B in assets, a higher rate than 67% of peers.

Total assets
$22.7B
$10B–100B institution
Members
1,433,256
Shares & deposits
—
Net worth ratio
9.4%
Bottom 26% of $10B–100B peers · Utah median 12.1%
Return on assets
0.9%
Top 43% of $10B–100B peers · Utah median 0.87%
Rank in Utah
#52
of 52 credit unions

How Mountain America compares to Utah peers

Net worth ratio
Bottom 26% of $10B–100B peers
Mountain America
9.4%
Utah median
12.1%
Higher capital ratio = stronger financial cushion
Return on assets
Top 43% of $10B–100B peers
Mountain America
0.9%
Utah median
0.9%
Higher ROA = more profitable relative to asset base

How we graded Mountain America

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
87/100
Customer experience
46.33305227655987/100
Overall
D · 67
  • Well-capitalized (9.4% capital ratio)
  • Profitable (ROA 0.87%)
  • 26.2 complaints per $1B in assets

Consumer complaints (CFPB)

593 complaints filed with the CFPB against MOUNTAIN AMERICA FEDERAL CREDIT UNION — 26.2 per $1B in assets.

Total complaints
593
Per $1B assets
26.2
Lower = better
Answered on time
100.0%
Closed with relief
14.2%
Complaints by product
Checking or savings account
207
Credit reporting or other personal consumer reports
101
Vehicle loan or lease
77
Debt collection
59
Credit card
50

Are deposits at Mountain America insured?

Yes. Mountain America is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.

Mountain America: frequently asked questions

Is Mountain America a good credit union?

Mountain America earns a Bankzia Trust Grade of D (67/100, "Below average"), based on a financial-strength score of 87/100 and a customer-experience score of 46.33305227655987/100. Well-capitalized (9.4% capital ratio); Profitable (ROA 0.87%).

Is Mountain America NCUA-insured?

Yes. Mountain America is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.

How big is Mountain America?

Mountain America holds $22.7 billion in total assets, ranking 52nd of 52 credit unions we track in Utah. It serves 1,433,256 members.

How many complaints does Mountain America have?

Consumers filed 593 complaints about MOUNTAIN AMERICA FEDERAL CREDIT UNION with the CFPB, or 26.2 per $1B in assets. 100% were answered on time. 14% closed with relief to the consumer.

Similar Credit Unions

America First
credit union · Riverdale, UT · $24.7B assets · 535 complaints
Goldenwest
credit union · Ogden, UT · $4.1B assets
Utah Community
credit union · Provo, UT · $3.9B assets
Canyon View
credit union · Salt Lake City, UT · $2.1B assets
Cyprus
credit union · West Jordan, UT · $2.1B assets
Deseret First
credit union · West Valley Cit, UT · $1.3B assets

Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.

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