PROMOTING
MEMBER
VALUE
ANNUAL REPORT2015
TABLE OF CONTENTS
PRESIDENT'S REPORT
4
CHAIRMAN'S ANNUAL REPORT
6
SUPERVISORY AUDITS
8
SUPPORTING MEMBERS IN REACHING
THEIR FINANCIAL DREAMS
10
Extending our service reach to more locations
Producing strong growth indicators
Saving members money and improving their lives
Expanding technology simplifies lives
Providing members more value
Offering top-tier business services
Engaging members in financial literacy and responsibility
Meeting with major social media success
Implementing best practices
Educating employees
CONSOLIDATED STATEMENTS
OF FINANCIAL CONDITION 16
CONSOLIDATED STATEMENTS OF INCOME
17
RECEIVING AWARDS OF EXCELLENCE 18
REWARDING YOUTH EDUCATIONAL EFFORTS
20
Keys to Success
Scholarship Programs
SUPPORTING COMMUNITY CAUSES 22
Pay It Forward
Pass It Along
Nonprofit organizations
LIST OF BRANCH LOCATIONS
27
PRESIDENT'S REPORT
“Transfers of higher-rate interest loans to Mountain America totaled $340 million
for the year and will save our members an amazing $60 million in interest over
the life of these loans—more importantly, individual lives were improved.”
—Sterling Nielsen
The year 2015 was an exciting one for Mountain America
Credit Union. We began the year with a successful
merger with Les Bois Credit Union in Idaho. All of the
computer records were converted to Mountain America
in the first week of the year. Along with the five branches
added by the Les Bois merger, three additional branches
were opened in the Boise area, and we ended the year
with 15 full-service branches in Idaho. We are excited to
be able to meet the financial needs of our Idaho members.
When Mountain America employees do a good job of
serving the membership, the credit union grows; this
past year, we grew more than any time in our history.
We also achieved the major milestone of reaching $5
billion in assets. Size isn’t what is important here. This
is important because with that asset size, we are able to
provide our membership with greater value and financial
strength; we are able to offer better value in the form
of interest rates and services; and we are able to offer
greater convenience through appealing and comfortable
branches and innovative online and mobile services.
You may have noticed some great changes to our offerings
in 2015, with the introduction of our new and unique
branch design in Boise, Meridian, Twin Falls, Idaho Falls
and Rexburg, Idaho, and in Kaysville and Heber City,
Utah. In addition, we enhanced our mobile offerings with
new selections, including the ability to control your debit
and credit cards; the opportunity to log on using fingerprint or eye verification; new loan options; and many
more exciting features. For 2016, we expect to offer even
more extraordinary, high-tech services that will meet
member needs and add convenience.
The new services we have been able to provide the
membership are exciting. We placed a special focus on
saving our members money. By reaching out to members and offering solutions when they are paying high
interest to other institutions, we know we have made
a difference. Transfers of higher-rate interest loans to
Mountain America totaled $340 million for the year and
will save our members an amazing $60 million in interest over the life of these loans­—more importantly, individual lives were improved.
I’m very proud to work with some of the best employees and most dedicated volunteers. We take seriously
the confidence you place in Mountain America. We
commit to live true to our company Vision, Mission
and Values, as we strive to improve the financial lives
of the membership.
Sterling Nielsen
President/CEO
CHAIRMAN'S ANNUAL REPORT
Our Mission
We are Quality People
Providing Quality Products and Service
Through Quality Delivery Systems.
It is very difficult to pick out the single most outstanding contribution to the success of Mountain
America Credit Union this past year. However, I believe that our employees fit the category of most
outstanding.
A few years back, the senior management and the volunteers of the credit union met together and
established the guiding principles that would influence our day-to-day operation of the credit union.
OUR MISSION
We are quality people
Providing quality products and service
Through quality delivery systems.
These quality employees were able to increase the membership during 2015 by 65,805 net new members. This is remarkable, and the way they went about achieving this accomplishment was through
simple acts of really caring for our members. The following story illustrates this thoughtful approach.
A CHRISTMAS RESCUE
Deborah is in her early 60s and is
a long-time member of Mountain
America. One of our Financial Service
Representatives contacted her, while
making calls from the rescued-loan
calling list. She had a little more than
$76,000 remaining on her mortgage.
Our employee discussed debt consolidation options with Deborah and encouraged her to come into the branch for a
full review. Deborah visited the branch
and sat down with our employee.
During the discussion, he learned that
Deborah was the guardian of her two
young grandchildren. Any amount of
money that she could save would help.
Our employee looked over her mortgage
documents and noticed that, despite her
good credit, her interest rate was high.
Moving her mortgage to Mountain
America would not only save her 1.75%
in interest, it would also lower her
payment $150 a month and shorten her
loan term by five years.
Deborah loved the idea and submitted
the application. When she came in to
close on the loan, she asked when her
first payment would be due. She was
told that it would be January 1, 2016.
She couldn’t believe it! She had been
stressed about Christmas for her two
grandchildren and wasn’t sure if she
would be able to buy them presents.
Her water heater had gone out the week
before, and she had to use all of her
Christmas money to get it fixed. Given
the timing of the loan, she would be able
to skip her December payment and free
up additional money for Christmas
gifts. She thanked our employee over
and over again, explaining that he
saved her Christmas and that the $150
she would save each month would make
a dramatic difference in her life and the
lives of her grandchildren. Deborah is
grateful to Mountain America for the
care and concern that were shown to her.
The Board of Directors wishes to extend our thanks and congratulations to our outstanding
employees. Thank you for caring about our members that you serve. As always, should there be
something that we can help you with—please let us know.
Roger Andrus
Chair
PROMOTING MEMBER VALUE
7 „ ANNUAL REPORT
SUPERVISORY AUDITS
The Supervisory Committee oversees ongoing credit union audits to ensure
internal controls are in place and being followed. The audits also ensure that
accounting records and reports accurately reflect the credit union’s financial
position and operations, thus protecting our members’ assets.
During 2015, the following were performed:
 Internal auditors examined 104 branches, performed 32 IT/operational/
compliance audits and conducted 184 targeted/ad-hoc reviews of various
credit union areas.
 The credit union was examined by the National Credit Union
Administration (NCUA).
 The financial statements were audited by the independent certified public
accounting firm of Moss Adams LLP.
“Our business relationship with Mountain America has been incredible…They know us, they know
what we need, they’re happy to help us and they go above and beyond any other institution.”
—Brittanie Flint
President/Founder
GiGi’s Playhouse—Layton, Utah
BOARD OF DIRECTORS
Roger Andrus, Chair
Lynn Ure, Vice Chair
Charlyn Sorensen, Secretary
Bruce Reading
Scott Burt
Diane Mansfield
Charlie Fulks
Michael Allen
Sam Blundell
SUPERVISORY COMMITTEE
David Swan, Chair
Julie Wray
Joel Steadman
Kelly Holt
Marla Spear
PROMOTING MEMBER VALUE
9 „ ANNUAL REPORT
SUPPORTING MEMBERS IN REACHING
THEIR FINANCIAL DREAMS
“Mountain America, along with Don Youngberg, was instrumental in helping the partners secure a
business loan to buy our building…the loan was secured, and because of some smart personal
financial advice from Mountain America, the partners were able to pay off the loan early.”
—Clarke Bradshaw
Partner
Hansen, Bradshaw, Malmrose & Erickson (CPAs)­—Bountiful, Utah
Mountain America works continually to understand member priorities and match them with quality
products and service that add value
to their lives. We provide thorough
Assessment, value-added Advice and
world-class Assistance (AAA). We
believe that excellence in AAA creates brand and member loyalty that
will continue for generations.
By supporting the following
Mountain America Core Values, we
are helping members achieve their
financial dreams:
Mutual Trust & Respect
showing respect to members and
employees
Honesty & Integrity
maintaining trust and professionalism in all dealings
Stewardship
acting responsibly and maintaining financial integrity
Quality Service
providing outstanding service to
members and employees
EXTENDING OUR SERVICE REACH TO
MORE LOCATIONS
Mountain America expanded operations into more locations, where the
credit union brought state-of-the-art
products and quality service—
delivered at a reasonable cost—to
more and more members. With this
successful business strategy, we
added 8 Idaho branches during 2015
for a total of 15 in the Idaho market.
In Utah, two new branches were
opened. Our branch network in the
five states where we do business
(Arizona, Idaho, Nevada, New Mexico
and Utah) totaled 86 at year end.
credit unions with more than
$1 billion in assets. Membership at
year end totaled 565,805, a 13.2%
increase over 2014. Our total assets
were $5.1 billion, which ranked us
23rd out of 6,147 credit unions in
the United States.
PRODUCING STRONG GROWTH
INDICATORS
Mountain America’s 2015 return on
assets (ROA) was 1.50%, ranking an
impressive 2nd place out of all Utah
credit unions with more than $300
million in assets. Nationally, our
ROA ranking was 15th among all
Continuous Improvement
adapting to the changing needs of
members and the organization
PROMOTING MEMBER VALUE
11 „ ANNUAL REPORT
^^ SAVING MEMBERS MONEY AND
IMPROVING THEIR LIVES
Each year, our Value Analyzer program continues to deliver amazing
results for members by showing
them how we can help them. It is our
privilege to be their trusted financial
partner. In 2015, Mountain America
was able to help members save more
than $60 million in interest and
improve their financial lives.
loan for the rest, which saved him
$404 per month and a total of $21,824
in interest, to a woman recently
widowed who was able to lower the
15% interest rate on her car to 3.99%,
lowering the payment by $660 and
obtaining the money needed for her
husband’s funeral—and literally hundreds more. The stories of how we
help members every day by lowering
their interest on payments and saving
them money needed for other financial responsibilities prove the power
of our commitment.
EXPANDING TECHNOLOGY
SIMPLIFIES LIVES
Member stories about the value they
received are amazing—from James,
who was able to consolidate all of his
debt using his vehicle as collateral
for part of the debt and a signature
ANNUAL REPORT „ 12
PROMOTINGMEMBER VALUE
Card Manager—additional
technology now allows members to
manage their credit and debit cards
from the Mobile App, including:
activating new cards, changing their
Personal Identification Number
(PIN), freezing or unfreezing cards,
reporting if they are traveling out
of their normal area and requesting
new cards.
Instant Short-term Loans—
the Mobile App gives members
the ability to apply for an instant,
short-term loan of up to $1,000 and
have a real-time decision made.
In emergency situations, where
members have a critical need for
money right away, the funds can be
deposited almost instantly into their
account.
There is an ongoing shift away from
traditional banking, as technology
provides increasingly better ways for
our members to interact with their
money. Consumers are looking for
products and services that help simplify their lives. To this end, in 2015
Mountain America continued to
provide a more convenient, engaging
and complete money-management
experience. Through increased technologies, we added several important
services for members:
Biometric login—this offers
our members a more convenient
option for logging in to our Mobile
App, without needing to enter a long
or complex password. Our members
feel peace of mind knowing we offer
a log in method that is safe, secure
and nearly impossible to replicate.
Mobile Lending—members now
have the ability to apply for consumer
loans through Mountain America’s
Mobile App and get a decision within
a day.
Mountain America’s products are
among the best in the marketplace,
and our employees are well trained
for serving our members. The mem-
PROVIDING MEMBERS MORE VALUE
bership continues to show that we
are their trusted financial partner,
as they continue to select additional
products and services that add value:
At year-end 2015, the credit
union’s products and services total
per household was 6.896, in comparison to the beginning of the year,
which was 6.685. This represents an
annual increase of almost 3.2%.
By December 31, 2015, Mountain
America showed a total of 206,178
households signed up for our mobile
services, which equals 53% of our
households—an impressive increase
over the 2014 year-end total of
163,089 signed up for mobile banking.
Our Member Giveback Score
for interest rates was $126, which
places Mountain America in the
94th percentile. The Giveback Score
measures the competitiveness of
the credit union’s pricing (e.g., lower
fees, better rates, etc.), leading to a
more profitable relationship for our
members.
OFFERING TOP-TIER BUSINESS
SERVICES
Mountain America continued to
offer its business members a full
complement of services that help
them streamline financial operations and save money in addition to
providing the expertise businesses
need to support their operations.
Mountain America Business Services showed strong growth during
2015, as the team hit a major milestone in business deposit dollars of
$500 million. Total business deposits grew by 15.77% and the number of
business accounts increased by an
11.76% growth rate.
Business members using automated
clearing house (ACH) direct deposit,
ACH debit, online wires and business
remote deposit all increased during
the year. ACH origination dollars
sent on behalf of our business members neared $350 million, and over
700 member businesses now use our
cash management platforms.
ENGAGING MEMBERS IN FINANCIAL
LITERACY AND RESPONSIBILITY
Handling financial responsibilities
effectively is one of the key factors
that promotes a happy, successful
and balanced life.
Our Core Values
Mutual Trust & Respect „ Honesty & Integrity
Stewardship „ Quality Service
Continuous Improvement
PROMOTING MEMBER VALUE
13 „ ANNUAL REPORT
FINANCIAL PATHWAYS
We launched a new Financial
Pathways program in 2015
that provides an even more
comprehensive array of resources,
including:
 Webinars
 Video presentations
 Eguides: The ABCs of Buying Your
First Home and Manage the Mortgage Process Like a Pro
 Seminars on credit, mortgages,
investing, Medicare and more
 GreenPath®, a financial wellness
program
 My Money Manager, a program
for tracking spending and viewing
all financial accounts in one place
MEETING WITH MAJOR SOCIAL MEDIA
SUCCESS
The year 2015 saw Mountain America
cross over the 190,000 Facebook fan
mark—a 68% increase over 2014—along
with 13,880 Twitter followers and 16,180
Instagram followers. These figures represent a significant social media reach.
At year-end 2015, Mountain America
was ranked second in the Social Media
Power 100 rankings for credit unions in
the U. S. and third in the world. Clearly,
our efforts to communicate with members and the general public are meeting
ANNUAL REPORT „ 14
PROMOTINGMEMBER VALUE
with major success. In addition, we
link our members and other fans to
insightful articles on many financial
topics through the credit union’s
Mountain Money blog (Blog.macu.
com) and the Mountain Money blog
for students (Blog.macu.com/student).
IMPLEMENTING BEST PRACTICES
One of the important ongoing efforts
to which Mountain America is devoted is incorporating the use of best
practices as many new offerings and
systems are implemented and existing ones are updated. Best practices
help ensure success. In fact, in 2015,
the credit union received a distinctive Best Practices Award from
Credit Union Journal magazine for
our implementation of the Member
Experience Officer (MEO) program.
Member Survey scores. The branches
now employing MEOs showed an
average composite member service
score that was 5% higher than the
score of branches that have yet to
implement the new position.
EDUCATING EMPLOYEES
Truly, Mountain Americas’ employees are the organization’s greatest
asset. Through their dedication
and commitment to continuous
improvement, we provide quality
service to our members. To help
employees Assess, Advise and Assist
our members (the AAA philosophy), we teach hundreds of courses
per year at our corporate offices, at
branches and through webinars and
videos. In addition, we offer a tuition
assistance program for those pursuing certificate and degree programs
related to their work.
The credit union continues to be
recognized as an employer of choice
by national organizations:
Learning Elite Award from
Chief Learning Officer magazine
(we are a three-time winner of this
award)
Training Top 125 Award from
Training magazine (we are a sixtime winner of this award)
Top 100 Best Workplaces for
Millennials from Fortune.com and
Great Place to Work®
MEOs work to create efficient and
meaningful member experiences in
branches from start to finish, including: teller transactions, opening new
accounts, analyzing credit needs
and recommending products and
services that will help members. Our
MEOs act as “universal employees”
and are able to administer all branch
operations and systems. From April 1
through December 31, 2015, the
effectiveness of the new program
was reflected in Mountain America’s
PROMOTING MEMBER VALUE
15 „ ANNUAL REPORT
^^ CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION
As of December 31, 2015 and 2014 (Dollars in Thousands)
2015
2014
$300,199
$156,256
5,857
3,665
Securities available-for-sale
48,966
78,212
Federal Home Loan Bank stock, at cost
21,023
5,289
4,443
9,469
4,388,923
3,631,538
12,878
11,349
3,968
1,883
192,666
176,647
36,977
32,701
1,795
174
60,195
78,398
$5,077,890
$4,185,581
Members’ shares and savings accounts
$4,167,301
$3,636,983
Borrowed funds
400,000
110,000
Official checks
5,721
6,809
Other liabilities
26,121
22,360
ASSETS
Cash and cash equivalents
Interest-bearing deposits with other financial institutions
Loans held-for-sale
Loans to members, net
Accrued interest receivable
Foreclosed and repossessed assets, net
Premises and equipment, net
NCUSIF deposit
Goodwill, net
Prepaid expenses and other assets
TOTAL ASSETS
LIABILITIES AND MEMBERS' EQUITY
TOTAL LIABILITIES
$4,599,143
$3,776,152
MEMBERS’ EQUITY
Regular reserve
63,045
63,045
Undivided earnings
414,002
344,582
Equity acquired in business combinations
1,928
1,928
Accumulated other comprehensive loss
(228)
(126)
TOTAL MEMBERS’ EQUITY
TOTAL LIABILITIES AND MEMBERS' EQUITY
ANNUAL REPORT „ 16
PROMOTINGMEMBER VALUE
478,747
$5,077,890
409,429
$4,185,581
^^ CONSOLIDATED STATEMENTS OF INCOME
Years ended December 31, 2015 and 2014 (Dollars in Thousands)
2015
2014
$183,053
$154,184
942
2,867
INTEREST INCOME
Loans, including fees
Securities available-for-sale
Securities held-to-maturity
Other
TOTAL
-
115
560
1,403
184,555
158,569
$20,266
$19,506
INTEREST EXPENSE
Members’ shares and savings accounts
560
77
20,826
19,583
163,729
138,986
16,500
11,000
147,229
127,986
93,206
84,999
Loss on sale of securities available-for-sale, net
-
(107)
Loss on sale of securities held-to-maturity, net
-
(11)
10,671
5,471
202
(506)
19,339
15,148
123,418
104,994
Borrowed funds
TOTAL
NET INTEREST INCOME
PROVISION FOR LOAN LOSSES
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES
NON-INTEREST INCOME
Fees and service charges
Realized gain on sold loans, net
Gain (loss) on foreclosed and repossessed assets
Other
TOTAL
NON-INTEREST EXPENSES
Compensation and benefits
105,542
86,833
Occupancy and equipment
23,082
19,578
Loan servicing
24,490
21,574
Professional and outside services
13,317
10,237
Education and marketing
14,331
11,708
Depreciation and amortization
13,188
12,217
6,580
4,856
Other
697
496
TOTAL
201,227
167,499
NET INCOME
$69,420
$65,481
Loss on disposal of premises and equipment
PROMOTING MEMBER VALUE
17 „ ANNUAL REPORT
RECEIVING AWARDS OF EXCELLENCE
“It’s about feeling important and knowing your company is in good hands…
the level of service from Mountain America Credit Union is excellent.”
—Wayne Belleau
Business Owner
Manor House Development­—Layton, Utah
Mountain America continued its commitment to excellence and was honored to receive financial
industry and community recognition. Many of the credit union’s programs and employees were
celebrated for their commitment to those we serve. The credit union received the following awards:
 Top Credit Union Lender in the nation from the U. S.
Small Business Administration (SBA) and the SBA
Utah District Office.
 Global Service Quality Award in the category of
Domestic eCommerce Efficiency for consistent superior operating performance in bankcard operations.
 Data Processing Services Client Achievement Innovation Award for leadership and early adoption of
important new technologies such as tokenization,
Apple Pay™, Android Pay, Visa® Checkout, Google
Wallet, etc.
 Top Small Business Lending Credit Union in the
nation, for the 12th time, Callahan & Associates
 Best Credit Union Website, The Web Marketing
Association
 Gartner & 1to1 Media Customer Excellence Award
for Innovation in Customer Insight
 Women to Watch Credit Union Times (Sharon Cook,
SVP Marketing & Public Relations)
 30 Women to Watch Utah Business magazine (Amy
Moser, VP Mortgage Services)
 Top 20 Program Managers list, by Bank Investment
Consultant magazine (Chad Waddoups, VP Investment & Insurance Services)
 Rock Star Award, Credit Union magazine (Sterling
Nielsen, President/CEO)
 Rock Star Award, Credit Union magazine (Marshall
Paepke, EVP/CAO)
 Idaho Best Companies to Work For by POPULUS®
 3 Credit Union National Association Diamond
Awards (CUNA)
 3 First Place Credit Union Executives Society
Awards (CUES)
 5 Marketing Association of Credit Unions Awards
(MAC)
PROMOTING MEMBER VALUE
19 „ ANNUAL REPORT
REWARDING YOUTH EDUCATIONAL EFFORTS
“Whether it’s helping our business with wire transfers, taking out loans or
opening accounts, Mountain America has been there every step of the way.”
—Ken Copeland
General Manager
Elizabeth’s Catering­—Salt Lake City, Utah
^^ KEYS TO SUCCESS
SCHOLARSHIP PROGRAMS
The Keys to Success program, sponsored by Ken Garff Automotive and
Mountain America Credit Union,
helped inspire students in 62 Utah
high schools to change their lives by
committing to improve their educational performance in 2015. And the
great thing is that they are rewarded
for doing so—not only with improved
grades and better attitudes, but also
by winning prizes and scholarships.
In fact, five of the 2015 participants
won new cars.
Mountain America Credit Union
has provided scholarships for many
years because we believe education
is one of the major drivers that keeps
the economy strong and job opportunities on the rise. Our goal is to help
students achieve their career dreams
and life aspirations.
Students at each participating high
school have the chance to qualify for
a Key Card that entitles them to valuable awards. Key Cards are awarded
for improvement in academic performance, which can include earning
better grades, improving attendance
and exhibiting excellence in citizenship and service. Key Cards are
awarded throughout the year and can
be redeemed for a variety of event
tickets, food vouchers and services.
The Keys to Success program also
provides a variety of scholarships to
Utah’s universities, as well as several
trade schools.
UTAH PUBLIC EMPLOYEES'
ASSOCIATION SCHOLARSHIP
Another option is the Utah Public
Employees’ Association (UPEA)
Scholarship, which awards $1,000
each to three winners. This scholarship is available for those who
are Mountain America and UPEA
members or their dependents
who live in Utah.
PAUL R. BALL MEMORIAL
SCHOLARSHIP
For many years, Mountain
America has awarded $2,000 each
to three winners of this Memorial
Scholarship. The three scholarship application categories
include: Community Services/
Social Services majors; Financial,
Economics, Business, Marketing
and Communications majors; and
General Scholarship/All Other
Academic majors.
PROMOTING MEMBER VALUE
21 „ ANNUAL REPORT
SUPPORTING COMMUNITY CAUSES
“With the help of Mountain America, I was able to obtain the capital
needed to fund my new business—a business that went from
nothing to over 10 million dollars in yearly sales.”
—Ryan Gregerson
Founder
American Sleep Dentistry—Cedar City, Utah
In the time-honored credit union
spirit of People Helping People, 2015
saw Mountain America continue its
pledge to support community causes,
education and many charities. We
select innovative programs that are
dedicated to doing good in the communities where we do business—
organizations that support those in
need or help better lives now and for
the future.
PAY IT FORWARD
The driving force behind the weekly
Mountain America and KUTV News
(Utah) and KIDK News and KBOI
News (Idaho) Pay It Forward program is the desire to recognize a
person, family or organization that
could use a helping hand with their
good works. The stories of noteworthy causes are broadcast on the
evening news, as they receive a cash
donation. During the four years that
Mountain America has spearheaded
this program, hundreds of good
causes have been recognized throughout Utah and Idaho communities.
These inspiring endeavors may not
receive much mainstream recognition, but every day they provide
assistance to infants, youth, families and communities. A few of the
2015 causes that were highlighted
include: service animals for veterans
with post-traumatic stress disorder,
feeding hundreds of people during
the holidays, an animal rescue
program, a clothing boutique where
women help women obtain clothing
for work, donated dental services
and much, much more. All Pay It
Forward segments can be viewed
on Mountain America’s YouTube
channel.
PASS IT ALONG
In conjunction with the Utah Jazz,
Mountain America awarded six,
$5,000 charitable donations to deserving organizations that strive to
go above and beyond in giving back
to the community. The 2015–2016
season recipients of the Pass It Along
award included: Utah Honor Flight,
Neighborhood House, National
Ability Center, Kauri Sue Hamilton School, Intermountain Healing
Hearts and the Bradley Center for
Grieving Families and Children. The
organizations receive recognition
for their good works and their cash
award at a Utah Jazz game.
NONPROFIT ORGANIZATIONS
Each year, Mountain America’s corporate and branch employees support two charities they recommend.
Through a variety of fundraisers in
2015, employees were able to present
checks to the Alzheimer’s Association and the Cystic Fibrosis Foundation. Fundraising events included
an employee nacho bar, selling candy
bars and selling “dress-down days”
(employees make donations and
receive specified days when they
can wear jeans to work). In addition,
employees generously support the
programs of The Christmas Box
International by donating clothing,
toys, games and many daily necessities to The Christmas Box House and
Christmas in July.
PROMOTING MEMBER VALUE
23 „ ANNUAL REPORT
Mountain America also supports hundreds of charities, nonprofit organizations and schools whose
programs are dedicated to improving lives through the valuable community resources they provide.
Here is a sampling of the organizations which the credit union is proud to have been
associated with over the years:
Alzheimer’s Association
American Cancer Society
American Heart Association—Go Red for Women
Autism Speaks
Ballet West
Brigham Young University
Canyons School District
Children’s Miracle Network
Clark County Nevada Rodeo
Columbus Community Center
Community Foundation of Utah
Cottonwood Heights Recreation Center
Crossroads Community Center
Cystic Fibrosis Foundation
Dixie Care & Share
Dixie Regional Medical Center
Dixie State College
Economic Development Corporation of Utah
Girl Scouts of Utah
Granite Education Foundation
ANNUAL REPORT „ 24
PROMOTINGMEMBER VALUE
Greater Salt Lake Audubon Society
Grouse Creek Rodeo
Hogle Zoo
Humane Society of Utah
Huntsman Cancer Foundation
Jordan Education Foundation
Keys to Success
Kostopulos Dream Foundation
Make-A-Wish Foundation
Million Miles at Miller (for Special Olympics)
Multiple Sclerosis Society
Muscular Dystrophy Association
Newspapers in Education—Financial Literacy
Neuroworks
PARC Community Partnership Foundation
Piute High School
Primary Children’s Hospital
Relay for Life
Ronald McDonald House
Salt Lake Chamber of Commerce
Salt Lake Chamber Women in Business
Salt Lake Community College
Salt Lake County Aging Services
Salt Lake County Fair
Sandy Arts Guild
Sandy Boys & Girls Club
Sandy Chamber of Commerce
Shriners Hospital
Southern Utah University
Spanish Fork PCRA Rodeo
Special Olympics
St. George Rodeo
Susan G. Komen Foundation
Taylorsville Days
The Loveland Living Planet Aquarium
The Road Home
University of Utah
US West Retirees
Utah Department of Agriculture
Utah Food Bank
Utah Honor Flight
Utah Summer Games
Utah Technology Council
Utah Valley Spelling Bee
Utah Veterans Hospital
Washington County School District
West Jordan Chamber of Commerce
West Jordan Rodeo
PROMOTING MEMBER VALUE
25 „ ANNUAL REPORT
ANNUAL REPORT „ 26
PROMOTINGMEMBER VALUE
LIST OF BRANCH LOCATIONS
ARIZONA
UTAH
Mesa
Phoenix
Altamont
American Fork
Cedar City Main Street
Cedar City Providence
Centerville
Clinton
Copperton
Cottonwood Heights
Draper
Ephraim
Glendale Redwood Road
Heber
Herriman
Holladay Highland Drive
Holladay Murray Holladay Road
Hurricane
Kanab
Kaysville
Kearns
Kimball Junction
Layton
Lehi
Logan
Midvale Fort Union
Millcreek 33rd South
Moab
Murray
Ogden 40th Street
Ogden Five Points
Orem North State Street
Orem University Place
IDAHO
Ammon
Boise 3rd Street
Boise Ustick Road
Cascade
Chubbuck
Eagle
Garden City
Garden Valley
Idaho Falls Sunnyside Road
Meridian
Nampa
Pocatello South 5th Avenue
Pocatello Yellowstone Avenue
Rexburg
Twin Falls
NEVADA
Las Vegas
Mesquite
Reno
Sparks
NEW MEXICO
Albuquerque Paseo Del Norte
Boulevard
Albuquerque Golf Course Road
Payson
Price
Provo
Richfield
Riverton
Roosevelt
Rose Park 700 North
Salt Lake 325 South State
Salt Lake 735 South State
Salt Lake County Building
Sandy 94th South
Sandy 106th South
Saratoga Springs
South Jordan 104th South
South Jordan River Parkway
Spanish Fork
St. George River Road
St. George Sunset Boulevard
Stansbury Park
Sugarhouse 13th East
Taylorsville 47th South
Taylorsville 54th South
Taylorsville SLCC Campus
Tooele
Vernal East Highway 40
Vernal West Highway 40
Washington
West Jordan–90th South
West Jordan–Jordan Landing
West Jordan–Redwood Road
West Valley
Woods Cross
PROMOTING MEMBER VALUE
27 „ ANNUAL REPORT
LIVING TRUE TO OUR PURPOSE
We are constantly measuring our performance to make sure we are living true to our purpose—that
of being a trusted financial partner for our members, whose lives we hope to improve through the
quality products and service that Mountain America provides. In 2016, our commitment will not
waver as we continue to be strengthened by the guiding principles of the values we champion.
CALL
1-800-748-4302
LOG ON
www.macu.com
VISIT
your local branch
TAP
our mobile app