--- title: Mountain America Credit Union url: https://lender.report/lender/mountain-america-credit-union-ut/ as_of: 2026-06-30 data_version: 2026-11-12.1 license: https://lender.report/license/ is_paid: false label: Unverified listing listing_state: unverified status: operating ids: {fdic: null, rssd: 611198, ncua: 24692, lei: 5493006S869XKIESMV41} --- # Mountain America Credit Union > Unverified listing. Built from public records. The lender has not reviewed the page. Every lender starts this way, and it says nothing about the lender itself. Claiming is free. **Cite this:** Source: The Lender Report, Mountain America Credit Union, https://lender.report/lender/mountain-america-credit-union-ut/, data as of June 30, 2026. Credit union, Sandy, UT. Regulator: National Credit Union Administration. Identifiers: NCUA charter 24692; RSSD 611198; LEI 5493006S869XKIESMV41. ## Facts, each with its source and date - Reported $22.9B in total assets as of June 30, 2026 (NCUA 5300). - Held $2.5B of commercial and commercial real estate loans as of June 30, 2026 (NCUA 5300). - Held $1B of non-owner-occupied commercial real estate loans as of June 30, 2026, up 4.9% from a year earlier (NCUA 5300). - Held $769.9M of owner-occupied commercial real estate loans as of June 30, 2026, up 4.0% from a year earlier (NCUA 5300). - Held $375.9M of multifamily loans as of June 30, 2026 (NCUA 5300). - Originated 18 multifamily loans totaling $45.6M in 2025 (HMDA). - Originated 25 multifamily loans totaling $104.5M in 2024 (HMDA). - Originated 357 1-4 unit investor or business-purpose loans totaling $105M in 2025 (HMDA). - Recorded 619 SBA 7(a) approvals totaling $223.5M from October 1, 2023 to September 30, 2026, of which 75 were later cancelled (SBA). - Provided the first lien on 114 SBA 504 projects with $200.4M in first-lien dollars from October 1, 2023 to September 30, 2026 (SBA). - Originated 99 real-estate-secured commercial loans totaling $279M in the first half of 2026 (NCUA 5300). - Estimated member business loan cap of about $2.8B (estimate, lesser of 1.75 times net worth or 12.25% of assets, June 30, 2026 NCUA 5300). - Listed 108 offices in 5 states (NCUA). ## What it holds (June 30, 2026) Balances held as filed. Not loans made. | Book | Holds | Of its loans | Year over year | | --- | --- | --- | --- | | Multifamily | $376M | 2% | -3.3% | | Construction and land development | $149M | 0.79% | +78.0% | | Owner-occupied CRE | $770M | 4.1% | +4.0% | | Non-owner-occupied CRE | $1.04B | 5.52% | +4.9% | | Farmland | $0 | 0% | not reported | | Commercial and industrial | $171M | 0.91% | +23.1% | | Other real-estate-secured commercial, chiefly business-purpose 1-4 family | $0 | 0% | not reported | ## Loans on record | Kind of loan | Period | Loans made | Dollars | Source | | --- | --- | --- | --- | --- | | Multifamily, 5 or more units | 2025 | 18 | $45.6M | CFPB HMDA | | Multifamily, 5 or more units | 2024 | 25 | $105M | CFPB HMDA | | 1-4 unit investor or business purpose | 2025 | 357 | $105M | CFPB HMDA | | SBA 7(a), net of cancelled | 36 months to September 30, 2026 | 544 | $212M | SBA FOIA | | SBA 504 first lien, net of cancelled | 36 months to September 30, 2026 | 114 | $200M | SBA FOIA | Credit union filing, first half of 2026: bought $0 of commercial participations; holds $0. ## Recent recorded loans, coarsened Place is the county or the state, amounts are rounded to 2 significant figures, and no borrower is named. | When | Place | Loan | Amount | Rate | Term (months) | Source | | --- | --- | --- | --- | --- | --- | --- | | Sep 2026 | Utah | SBA 7(a), Commercial and Institutional Building Construction | $4.80M | 6.5% | 300 | SBA FOIA | | Sep 2026 | Utah | SBA 7(a), Used Car Dealers | $1.50M | 7.25% | 120 | SBA FOIA | | Sep 2026 | Idaho | SBA 7(a), Used Car Dealers | $1.40M | 7.5% | 300 | SBA FOIA | | Sep 2026 | Utah | SBA 7(a), Support Activities for Oil and Gas Operations | $880K | 7.5% | 120 | SBA FOIA | | Sep 2026 | Nevada | SBA 7(a), Accommodation and Food Services | $770K | 7% | 300 | SBA FOIA | | Sep 2026 | Utah | SBA 7(a), Offices of Mental Health Practitioners (except Physicians) | $460K | 6.75% | 300 | SBA FOIA | | Sep 2026 | Utah | SBA 7(a), Site Preparation Contractors | $370K | 6.25% | 300 | SBA FOIA | | Sep 2026 | Utah | SBA 7(a), Other Building Material Dealers | $250K | 10.75% | 84 | SBA FOIA | | Sep 2026 | Arizona | SBA 7(a), Plumbing, Heating, and Air-Conditioning Contractors | $220K | 8% | 120 | SBA FOIA | | Sep 2026 | Utah | SBA 7(a), Other Individual and Family Services | $50.0K | 12.75% | 84 | SBA FOIA | ## Where it lends 108 offices in 5 states (June 30, 2026). ## Not a rating Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits. | Measure | Value | How it is worked out | | --- | --- | --- | | Estimated largest single loan | $327M | Estimate from reported capital, not a limit the lender has stated. | | Loans to assets | 82.1% | Total loans divided by total assets | | Loans to deposits | 92.42% | Total loans divided by total deposits | ## What we do not know - Whether this lender is taking new loans today. - Its underwriting limits and fees, unless it has told us. - Whether it takes brokers, beyond what the public record shows. - A balance is what a lender holds as filed. It is not a loan made. ## How to reach them - Website: http://www.macu.com (from the regulator record or the lender's own site) - Phone: (801) 325-6220 - Regulator record: https://mapping.ncua.gov/singlecreditunion/Details/24692 ## For the record Data as of June 30, 2026. Data release 2026-11-12.1. Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. We publish data about lenders and sell advertising. We are not a bank or lender, and we do not make credit decisions, take applications, negotiate terms or arrange loans through this site. Using this site creates no broker, advisory or fiduciary relationship. Commercial-purpose loans only. Nothing here is an offer to lend or a promise that any lender will offer you a loan. The Lender Report is not affiliated with, endorsed by or acting for the FDIC, NCUA, FFIEC, CFPB, SBA, HUD or any government agency. Certificate and charter numbers identify institutions only. The Lender Report is operated by JPro Labs LLC. The Lender Report is not a bank or a lender. It does not make loans or credit decisions. Listings are built from public records. Page: https://lender.report/lender/mountain-america-credit-union-ut/ License: https://lender.report/license/