SAN JUAN
Charter #67163 · BLANDING, UT · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.33% sits at the 21st percentile of structural peers — worth a closer look.
- Net interest margin of 6.10% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.10% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 96th percentile but its structural peers at the 72nd — a 23-point gap showing why the peer definition matters.
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 | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $31.11M | 64th pct | 54th pct |
| Members | 4,808 | 96th pct | 72th pct |
| Net worth ratio | 13.16% | 46th pct | 52th pct |
| Return on average assets | 0.33% | 32th pct | 21th pct |
| Net interest margin | 6.10% | 99th pct | 93th pct |
| Cost of funds | 0.10% | 7th pct | 8th pct |
| Loan-to-share | 68.02% | 67th pct | 46th pct |
| Delinquency 60+ days | 1.45% | 77th pct | 74th pct |
| Net charge-off ratio | 0.90% | 83th pct | 70th pct |
| Loan growth YoY | -3.61% | 41th pct | 38th pct |
| Share growth YoY | 6.05% | 81th pct | 64th pct |
| Efficiency ratio | 85.20% | 63th pct | 69th pct |
structural peer set hash: bc388c1e8f1bc76ad0ef2a8375d5e8c7… (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.