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The Lender Report built this page from public records. Mountain America Credit Union has not reviewed it. Every lender's page starts this way, and it says nothing about Mountain America Credit Union itself. Each figure shows its source and date. Work at Mountain America Credit Union? You can claim this page for free.
Credit union, Sandy, UT
Mountain America Credit Union
A credit union based in Sandy, UT. Its commercial book is led by non-owner-occupied CRE and owner-occupied CRE. Public files show recent multifamily, 1-4 unit investor, SBA 7(a), SBA 504 and real-estate-secured commercial loans it made.
- Kind
- Credit union
- Data as of
- June 30, 2026
- Page last changed
- November 11, 2026
- Commercial book
- $2.50B
- NCUA 5300,
- Holds, not loans made
- Commercial loans made, H1 2026
- 99
- NCUA 5300,
- Real-estate-secured
- SBA loans, 36 months
- 658
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $22.9B
- NCUA 5300,
Does it fit my deal?
The deal is read here and kept nowhere. Leave out names, income and credit scores.
How to reach them
Each line shows where it came from
- Phone
- 801-325-6220 From the NCUA record, June 30, 2026.
- Website
- www.macu.comFrom the NCUA record, November 9, 2026.
- Names it files under
- MOUNTAIN AMERICA; MOUNTAIN AMERICA FEDERAL CREDIT UNION; Mountain America FCUNCUA 5300,
- Address
- P.o. Box 2331, Sandy, UT 84091NCUA 5300,
- Regulator record
- NCUA profile
You generally must be a member of a credit union to borrow from it. Field of membership: Multiple common bond - other. Designated low-income by NCUA.
Recently done
Recorded lending
Recorded lending. Two or more public files show loans this lender made.
What changed. Mountain America Credit Union recorded 57 SBA 504 first-lien projects in the 12 months to September 30, 2026, versus 32 in the prior 12 months. SBA FOIA,
| When | What the record shows | Source |
|---|---|---|
| Oct 2023 to Sep 2026 | SBA 7(a) approvals by processing method: 260 under Preferred Lender authority, 279 SBA Express.SBA ProcessingMethod field, net of cancellations. | SBA FOIA, |
| Jun 2025 to Jun 2026 | Non-owner-occupied CRE balance rose 4.9% to $1B in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | NCUA 5300 |
| Jun 2025 to Jun 2026 | Owner-occupied CRE balance rose 4.0% to $769.9M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | NCUA 5300 |
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| Sep 2026 | Utah | SBA 7(a), Commercial and Institutional Building Construction | $4.8M | 6.5% | 25 yr | SBA FOIA | |
| Sep 2026 | Utah | SBA 7(a), Used Car Dealers | $1.5M | 7.25% | 10 yr | SBA FOIA | |
| Sep 2026 | Idaho | SBA 7(a), Used Car Dealers | $1.4M | 7.5% | 25 yr | SBA FOIA | |
| Sep 2026 | Utah | SBA 7(a), Support Activities for Oil and Gas Operations | $880K | 7.5% | 10 yr | SBA FOIA | |
| Sep 2026 | Nevada | SBA 7(a), Accommodation and Food Services | $770K | 7% | 25 yr | SBA FOIA | |
| Sep 2026 | Utah | SBA 7(a), Offices of Mental Health Practitioners (except Physicians) | $460K | 6.75% | 25 yr | SBA FOIA | |
| Sep 2026 | Utah | SBA 7(a), Site Preparation Contractors | $370K | 6.25% | 25 yr | SBA FOIA | |
| Sep 2026 | Utah | SBA 7(a), Other Building Material Dealers | $250K | 10.75% | 7 yr | SBA FOIA | |
| Sep 2026 | Arizona | SBA 7(a), Plumbing, Heating, and Air-Conditioning Contractors | $220K | 8% | 10 yr | SBA FOIA | |
| Sep 2026 | Utah | SBA 7(a), Other Individual and Family Services | $50K | 12.75% | 7 yr | SBA FOIA | |
| Sep 2026 | Utah | SBA 7(a), Sporting Goods Retailers | $50K | 7.5% | 10 yr | SBA FOIA | |
| Sep 2026 | Utah | SBA 7(a), General Freight Trucking, Long-Distance, Truckload | $25K | 12.75% | 10 yr | SBA FOIA | |
| Sep 2026 | Utah | SBA 7(a), General Freight Trucking, Long-Distance, Truckload | $25K | 12.75% | 10 yr | SBA FOIA | |
| Sep 2026 | Utah | SBA 7(a), Sporting Goods Retailers | $20K | 13.25% | 7 yr | SBA FOIA | |
| Sep 2026 | Idaho | SBA 7(a), Used Car Dealers | $20K | 12.75% | 7 yr | SBA FOIA | |
| Aug 2026 | Nevada | SBA 7(a), Management of Companies and Enterprises | $1.3M | 7.75% | 25 yr | SBA FOIA | |
| Aug 2026 | Nevada | SBA 7(a), Management of Companies and Enterprises | $1M | 7.75% | 25 yr | SBA FOIA | |
| 2025 | Maricopa County, AZ | Purchase, 5 to 24 units | $1.8M | 7.07% | 10 yr | 63% | HMDA 2025 |
| 2025 | Pinal County, AZ | Improvement, 5 to 24 units | $440K | 6.65% | 10 yr | 41% | HMDA 2025 |
| 2025 | Weber County, UT | Refinance, 5 to 24 units | $340K | 6.8% | 10 yr | 46% | HMDA 2025 |
| 2025 | Gallatin County, MT | Refinance, 5 to 24 units | $4.3M | 6.95% | 10 yr | 49% | HMDA 2025 |
| 2025 | Washington County, UT | Purchase, 25 to 49 units | $2M | 6.65% | 10 yr | 64% | HMDA 2025 |
| 2025 | Utah | Purchase, 50 to 99 units | $15M | 6.38% | 10 yr | 46% | HMDA 2025 |
| 2025 | Mohave County, AZ | Purchase, 5 to 24 units | $840K | 7.1% | 10 yr | 62% | HMDA 2025 |
| 2025 | Maricopa County, AZ | Refinance, 50 to 99 units | $7.5M | 6.89% | 10 yr | 60% | HMDA 2025 |
| 544 SBA 7(a) loans since October 2023, net of cancelled | $212M | SBA FOIA | |||||
A blank means the source did not report it.
What it holds
NCUA 5300, June 30, 2026
| Book | Holds | Of its loans | Year over year | Loans | Average |
|---|---|---|---|---|---|
| Multifamily | $376M | 2.0% | -3.3% | 215 | $1.75M |
| Construction and land development | $149M | 0.8% | +78.0% | 34 | $4.39M |
| Owner-occupied CRE | $770M | 4.1% | +4.0% | 746 | $1.03M |
| Non-owner-occupied CRE | $1.04B | 5.5% | +4.9% | 590 | $1.76M |
| Farmland | $0 | 0.0% | Not reported | 0 | Not reported |
| Commercial and industrial | $171M | 0.9% | +23.1% | 3,315 | $51.6K |
| Other real-estate-secured commercial | $0 | 0.0% | Not reported | Not reported | Not reported |
| Commercial total | $2.50B |
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $1.83B |
| Q4 2023 | $1.91B |
| Q1 2024 | $2.00B |
| Q2 2024 | $2.09B |
| Q3 2024 | $2.13B |
| Q4 2024 | $2.23B |
| Q1 2025 | $2.28B |
| Q2 2025 | $2.34B |
| Q3 2025 | $2.37B |
| Q4 2025 | $2.44B |
| Q1 2026 | $2.46B |
| Q2 2026 | $2.50B |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| Multifamily, 5 or more units | 2025 | 18 | $45.6M | $985K | $15M | HMDA, |
| Multifamily, 5 or more units | 2024 | 25 | $105M | $2.23M | HMDA, | |
| 1-4 unit investor or business purpose | 2025 | 357 | $105M | $235K | HMDA, | |
| SBA 7(a), net of cancelled | 36 months to Sep 2026 | 544 | $212M | $100K | $4.9M | SBA FOIA, |
| SBA 7(a), net of cancelled | 12 months to Sep 2026 | 118 | $52.3M | SBA FOIA, | ||
| SBA 504 first lien, net of cancelled | 36 months to Sep 2026 | 114 | $200M | $1.02M | $18M | SBA FOIA, |
| Real-estate-secured commercial | First half of 2026 | 99 | $279M | NCUA 5300, | ||
| Multifamily | First half of 2026 | 11 | $29.1M | NCUA 5300, | ||
| Construction | First half of 2026 | 17 | $55.8M | NCUA 5300, | ||
| Owner-occupied CRE | First half of 2026 | 43 | $66.0M | NCUA 5300, | ||
| Non-owner-occupied CRE | First half of 2026 | 28 | $128M | NCUA 5300, | ||
| C&I | First half of 2026 | 847 | $58.1M | NCUA 5300, |
How these public files were tied to this lender. HMDA: its legal entity identifier (LEI). SBA 7(a) loans: its NCUA charter number. SBA 504 first liens: its name and state.
| Book | Average loan |
|---|---|
| Construction and land development | $4.39M |
| Multifamily | $1.75M |
| Owner-occupied CRE | $1.03M |
| Non-owner-occupied CRE | $1.76M |
| Commercial and industrial | $51.6K |
| Industry | Loans | Dollars |
|---|---|---|
| All Other Specialty Trade Contractors | 27 | $20.9M |
| Full-Service Restaurants | 17 | $5.91M |
| Limited-Service Restaurants | 17 | $5.30M |
| Used Car Dealers | 16 | $11.7M |
| General Automotive Repair | 16 | $7.52M |
| Electrical Contractors and Other Wiring Installation Contractors | 15 | $7.42M |
| All Other Personal Services | 14 | $13.2M |
| All Other Professional, Scientific, and Technical Services | 13 | $7.80M |
| Offices of Chiropractors | 13 | $3.48M |
| Plumbing, Heating, and Air-Conditioning Contractors | 12 | $5.74M |
Other lenders in these fields: SBA lenders for construction trades, SBA lenders for restaurants, SBA lenders for retail stores.
Programs on record: Federal Home Loan Bank member, Des Moines district (FHFA).
Where it lends
Offices beside loans on record
| State | Offices | Multifamily 2025 | 1-4 investor 2025 | SBA 7(a) 36 mo. | SBA 504 36 mo. |
|---|---|---|---|---|---|
| Utah HQ | 77 | 5 | 247 | 372 | 86 |
| Idaho | 12 | 0 | 49 | 63 | 9 |
| Arizona | 12 | 9 | 27 | 67 | 6 |
| Nevada | 5 | 3 | 17 | 26 | 4 |
| Montana | 2 | 1 | 3 | 7 | 6 |
| Wyoming | 0 | 0 | 5 | 4 | 0 |
| Washington | 0 | 0 | 4 | 2 | 2 |
| Colorado | 0 | 0 | 1 | 2 | 1 |
| New Mexico | 0 | 0 | 2 | 0 | 0 |
| Oregon | 0 | 0 | 2 | 0 | 0 |
| California | 0 | 0 | 0 | 1 | 0 |
| County | Recorded loans | Dollars |
|---|---|---|
| Maricopa County, AZ | 13 | $22.2M |
| Metro | Recorded loans | Dollars |
|---|---|---|
| Phoenix-Mesa-Chandler, AZ | 14 | $22.6M |
| Salt Lake City-Murray, UT | 5 | $26.0M |
Capacity. 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 | This lender | Its peers | How it is worked out | Source |
|---|---|---|---|---|
| Business loan cap | $2.80B | $531M to $3.18B across 8 peers | Estimate: the lesser of 1.75 times net worth or 12.25% of assets. Low-income designated credit unions and some others are exempt. Not a statement from the credit union. | NCUA 5300, 12 CFR 723.8, Jun 30, 2026 |
| Business loans outstanding | $2.50B | $756M to $2.87B across 8 peers | Net member business loans, as reported on Form 5300. | NCUA 5300, |
| Cap used | 89.2% | 29.7% to 215.4% across 8 peers | Business loans outstanding over the estimated cap. This credit union is designated low-income by NCUA and is exempt from the cap. | NCUA 5300, |
| Largest single borrower | $327M | $85.8M to $433M across 8 peers | Estimate: the greater of 15% of net worth or $100,000. Not a limit the credit union has stated. | NCUA 5300, 12 CFR 723.4, Jun 30, 2026 |
| CRE to net worth | 71.6% | 22.1% to 96.7% across 8 peers | (Construction + multifamily + non-owner-occupied CRE loans) divided by net worth. Our own ratio, not a regulatory test or limit. | NCUA 5300, |
| Loans to assets | 82.1% | 65.6% to 88.7% across 8 peers | Total loans divided by total assets. | NCUA 5300, |
Estimates use the formulas in 12 CFR 723. Low-income designated credit unions and some others are exempt from the cap.
Loan channel and SBA processing
Public record only
- Preferred Lender authority
- 260 loans (47.8%)
- SBA Express
- 279 loans
- Approval to first disbursement
- 15 days, median of 489
SBA FOIA, SBA 7(a) loans, 36 months. Counted from SBA approval, not application. Lines of credit disburse fast.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| America First Credit Union | UT | $26.0B | $2.98B |
| Suncoast Credit Union | FL | $20.8B | $734M |
| Idaho Central Credit Union | ID | $15.5B | $1.91B |
| Lake Michigan Credit Union | MI | $17.3B | $2.19B |
| Goldenwest Credit Union | UT | $4.33B | $1.04B |
| Vystar Credit Union | FL | $14.3B | $1.01B |
| Wings Credit Union | CO | $19.4B | $2.72B |
| Randolph-Brooks Credit Union | TX | $19.6B | $1.00B |
What we don't know
- Whether it is taking new loans today, or on what terms.
- Who can join. A credit union lends only to its members, and field of membership decides who qualifies.
- Whether it takes brokers. No figure here means no evidence, not a refusal.
- Credit union concentration ratios here are our own calculation against net worth. They are not a regulatory test or limit. Originations are Jan-Jun 2026 year to date.
Check this page
Against the regulator's own record
- Name and charter. Mountain America Credit Union, NCUA charter 24692. Compare it with the regulator's record. [NCUA profile]
- Balances. $22.9B in total assets and $2.50B in commercial loans held, from the NCUA 5300 for June 30, 2026. [Source]
- Loans made. 99 real-estate-secured commercial loans made in the first half of 2026, from your NCUA Form 5300, and 1,058 loans in HMDA and SBA files, through September 30, 2026: 18 HMDA multifamily 2025, 25 HMDA multifamily 2024, 357 HMDA 1-4 unit investor 2025, 544 SBA 7(a) in 36 months, 114 SBA 504 first liens in 36 months. [How each file was tied to Mountain America Credit Union]
- Phone and website. Phone 801-325-6220, from the NCUA record. Website macu.com, from the NCUA record. [How to reach them]
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For the record
Data as of June 30, 2026. Page last changed November 11, 2026.
- Regulator
- National Credit Union Administration
- NCUA charter
- 24692
- RSSD
- 611198
- LEI
- 5493006S869XKIESMV41
- The Lender Report ID
- lr_000104
- Main office county
- Salt Lake
- Members
- 1,477,182
- NCUA region
- 8 - ONES
NCUA credit union details,
- 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).
6 more sentences
- 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).
- Listed 108 offices in 5 states (NCUA).
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.
Sources
- NCUA 5300, June 30, 2026
- NCUA 5300, June 30, 2025
- HMDA, 2025
- SBA FOIA, September 30, 2026
- NCUA 5300, June 30, 2026
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Work at Mountain America Credit Union? Claim this page, free.
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. Report a problem