SAN JUAN MOUNTAINS
Charter #60110 · Montrose, CO · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 3,339 sits at the 20th percentile of structural peers — worth a closer look.
- Return on average assets of 1.27% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.02% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.00% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.00% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | SAN JUAN MOUNTAINS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $62.67M | 31th pct | 25th pct |
| Members | 3,339 | 15th pct | 20th pct |
| Net worth ratio | 10.43% | 25th pct | 38th pct |
| Return on average assets | 1.27% | 77th pct | 80th pct |
| Net interest margin | 3.91% | 61th pct | 62th pct |
| Cost of funds | 0.02% | 1th pct | 0th pct |
| Loan-to-share | 64.68% | 56th pct | 41th pct |
| Delinquency 60+ days | 0.00% | 2th pct | 7th pct |
| Net charge-off ratio | -0.00% | 13th pct | 18th pct |
| Loan growth YoY | 3.37% | 87th pct | 80th pct |
| Share growth YoY | 7.55% | 90th pct | 93th pct |
| Efficiency ratio | 71.60% | 29th pct | 25th pct |
structural peer set hash: d6d293426670764a084b2eccd538acde… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.