BlastPoint's Credit Union Scorecard
SAN JUAN MOUNTAINS
Charter #60110 · CO
SAN JUAN MOUNTAINS has 5 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.39% above tier average
- + Asset Growth Rate: Top 4.5% in tier
- + Deposit Growth Rate: Top 4.7% in tier
- + Average Member Relationship (AMR): Top 6.2% in tier
- + Loan-to-Member Ratio (LMR): Top 6.6% in tier
Key Concerns
Areas that may need attention
- - First Mortgage Concentration (%): Bottom 2.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,379
-1.2% YoY-0.4% QoQ
|
+763 |
2,615
-1.9% YoY
|
37,842
+7.2% YoY
|
33,374
+5.7% YoY
|
72% |
| Assets |
$61.1M
+13.4% YoY+4.7% QoQ
|
+$31.0M |
$30.1M
+2.1% YoY
|
$688.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
83% |
| Loans |
$36.1M
+1.6% YoY+3.2% QoQ
|
+$20.3M |
$15.8M
-1.3% YoY
|
$531.4M
+7.9% YoY
|
$397.0M
+8.8% YoY
|
Top 13.3% in tier |
| Deposits |
$54.6M
+13.8% YoY+5.0% QoQ
|
+$28.9M |
$25.7M
+1.4% YoY
|
$583.2M
+9.5% YoY
|
$477.3M
+9.7% YoY
|
84% |
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| ROA |
1.0%
+7.5% YoY-7.1% QoQ
|
+0.4% |
0.6%
+10.8% YoY
|
0.4%
-10.6% YoY
|
0.7%
+15.9% YoY
|
66% |
| NIM |
3.8%
-1.2% YoY-2.7% QoQ
|
-0.2% |
4.0%
+4.0% YoY
|
3.5%
+1.6% YoY
|
3.8%
+5.1% YoY
|
44% |
| Efficiency Ratio |
75.8%
-2.8% YoY+1.3% QoQ
|
-6.7% |
82.6%
-2.3% YoY
|
82.6%
+1.3% YoY
|
79.7%
-3.3% YoY
|
40% |
| Delinquency Rate |
0.0%
-99.9% YoY-99.3% QoQ
|
-1.6 |
1.6%
-3.1% YoY
|
1.0%
+15.7% YoY
|
1.3%
-2.1% YoY
|
Bottom 12.1% in tier |
| Loan To Share |
66.1%
-10.7% YoY-1.7% QoQ
|
+5.5% |
60.6%
-3.1% YoY
|
72.0%
-2.4% YoY
|
67.4%
-1.7% YoY
|
58% |
| AMR |
$26,837
+10.0% YoY+4.7% QoQ
|
+$12K |
$14,783
-1.4% YoY
|
$23,202
+4.3% YoY
|
$19,687
+2.0% YoY
|
Top 6.3% in tier |
| CD Concentration |
18.8%
+0.6% YoY+2.5% QoQ
|
-5.6% | 24.4% | 26.2% | 19.8% | 50% |
| Indirect Auto % |
3.6%
-13.6% YoY-10.2% QoQ
|
-10.2% | 13.8% | 12.2% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)