Credit Unions in the State of Mountaincrest Credit Union
Nonprofit profile at a glance
- EIN
- 910596314
- IRS 990 coverage
- 2010–2025
- Forms available
- Form 990 2025
- Location
- Arlington, WA, USA
- Phone
- 3604355400
- Rating confidence
- Limited
Reported finances
- Revenue
- $9,105,376
- Expenses
- $7,225,029
- Assets
- $153,345,759
- Liabilities
- $132,218,613
Source: IRS Form 990. Selected filing: tax year 2025. Amounts in USD.
Leadership & pay
11 people listed
Executive titles in this filing
- SUSAN WEBSTER (CEO (THRU 7/25))
- LINDSEY WELCH (CEO)
Highest reported compensation
- LINDSEY WELCH (CEO): $228,467 total reported compensation
- SUSAN WEBSTER (CEO (THRU 7/25)): $167,799 total reported compensation
- MICHELLE HARRYMAN (CFO): $108,219 total reported compensation
Source: IRS Form 990. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.
Overview
Mission
The vision of mountaincrest credit union is that we are a sound financial institution providing a full range of innovative, competitive products and services with exceptional personal service.
What it reported doing in 2025
Provide financial services to 10,346 members. These services include, but are not limited to, providing real estate and other secured/unsecured consumer loans, checking and savings programs, and credit card services.
Operating model
- Revenue model
- Earned-program. 80% of the money available for current operations came from fees and other program revenue.
- Distribution model
- Cannot be determined from the filing. The filing does not provide enough consistent spending detail to tell whether the nonprofit works directly or through others.
The verdict
- The available evidence is not sufficient to produce an overall rating for this filing. This is not a warning sign.
Rating breakdown
- Financial Efficiency: NotEnoughData
- Transparency & Controls: 71
- Accountability: 82
- Sustainability: 68
- Growth: 60
Detailed rating inputs
Financial Efficiency
- Mission deployment rate: Limited
- Program expense ratio: Limited
- Fundraising efficiency: Limited
Transparency & Controls
- Consistency checks: 100%; rating input score 100; 63rd percentile among comparable filings
- Pay-setting controls: 2 of 6 controls in place; rating input score 33
- Compensation committee: Missing
- Independent consultant: Missing
- Other Form 990s reviewed: Missing
- Written employment contract: Missing
- Compensation survey or study: Pass
- Board or committee approval: Pass
- Foreign activity oversight: Limited
- Grant itemization coverage: Limited
- Major donor itemization: Limited
- Related-party transparency: Limited
Accountability
- Independent voting board: 100%; rating input score 100; 63rd percentile among comparable filings
- Governance controls: 5 of 9 controls in place; rating input score 56
- Conflict-of-interest policy: Pass
- Whistleblower policy: Pass
- Document-retention policy: Pass
- CEO compensation review process: Pass
- Other executive compensation review process: Fail
- Form 990 shared with the board: Fail
- Board meeting minutes documented: Pass
- Audit committee oversight: Missing
- Independent financial-statement audit: Fail
Sustainability
- Operating margin: 20.7%; rating input score 73; 73rd percentile among comparable filings
- Total-asset coverage ratio: 21.22; rating input score 95; 95th percentile among comparable filings
- Liabilities to assets ratio: 0.86; rating input score 6; 6th percentile among comparable filings
- Officer compensation ratio: 7%; rating input score 45; 45th percentile among comparable filings
Growth
- Program expense growth: Limited
- Revenue growth: 5.2% per year; rating input score 100; 39th percentile among comparable filings
- Asset growth: 5% per year; rating input score 100; 33rd percentile among comparable filings
Details
- Where the money goes: Financial trends and filed revenue, expense, asset, and liability detail
- Governance: 7 of 7 board members independent · 5 of 9 filing controls reported
- Programs: 1 filed program accomplishment
- Leadership: top reported pay $228K · 11 people listed · 2 of 6 pay-setting controls reported
- Highest-paid contractors: 4 contractors listed · $755K reported
- Consistency: 11 of 11 current checks pass
- Schedules: 5 filed schedules · includes executive pay
- Filing history: 16 filing years from 2010 to 2025
- Contacts: How to reach this organization
- Money network: 5 filed money-flow records
- Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
- People: Everyone the filings name, and which of them the filings identify by more than a name.
- Staff and benefit plans: Retirement and health plans the organization files with the Department of Labor, and the people in them.
Key Signals
Signals prioritize questions for review. They are not findings of misconduct.
- Review — Accountability: Governance controls: 3 of 8 not reported.
- High — Sustainability: Liabilities to assets ratio scored 6/100.
- Moderate — Sustainability: Officer compensation ratio scored 45/100.