BlastPoint's Credit Union Scorecard
SAN JUAN MOUNTAINS
Charter #60110 · CO
SAN JUAN MOUNTAINS has 6 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.11% above tier average
- + Average Member Relationship (AMR): Top 5.5% in tier
- + Loan-to-Member Ratio (LMR): Top 6.1% in tier
- + Asset Growth Rate: Top 7.9% in tier
- + AMR Growth Rate: Top 9.0% in tier
- + Deposit Growth Rate: Top 9.6% in tier
Key Concerns
Areas that may need attention
- - First Mortgage Concentration (%): Bottom 2.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,339
-1.9% YoY-1.2% QoQ
|
+662 |
2,676
+1.6% YoY
|
45,987
+29.5% YoY
|
33,913
+5.7% YoY
|
72% |
| Assets |
$62.7M
+9.5% YoY+2.5% QoQ
|
+$32.5M |
$30.2M
+1.3% YoY
|
$896.2M
+38.1% YoY
|
$578.3M
+9.0% YoY
|
84% |
| Loans |
$36.1M
+6.9% YoY+0.1% QoQ
|
+$20.9M |
$15.3M
-2.0% YoY
|
$687.4M
+35.9% YoY
|
$402.4M
+8.7% YoY
|
Top 12.7% in tier |
| Deposits |
$55.9M
+9.2% YoY+2.4% QoQ
|
+$30.1M |
$25.8M
+0.7% YoY
|
$753.9M
+36.7% YoY
|
$494.3M
+9.1% YoY
|
Top 14.8% in tier |
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| ROA |
1.3%
+9.9% YoY+24.2% QoQ
|
+1.1% |
0.1%
-77.6% YoY
|
0.5%
+3.7% YoY
|
0.4%
-39.2% YoY
|
78% |
| NIM |
3.9%
+3.5% YoY+2.9% QoQ
|
-0.1% |
4.0%
+4.0% YoY
|
3.5%
+0.5% YoY
|
3.8%
+4.1% YoY
|
52% |
| Efficiency Ratio |
71.6%
-2.6% YoY-5.6% QoQ
|
-19.0% |
90.6%
+6.5% YoY
|
80.2%
-2.9% YoY
|
84.6%
+2.8% YoY
|
28% |
| Delinquency Rate |
0.0%
-99.8% YoY
|
-1.5 |
1.5%
+3.8% YoY
|
1.0%
+37.3% YoY
|
1.2%
+3.4% YoY
|
Top 13.6% in tier |
| Loan To Share |
64.7%
-2.1% YoY-2.2% QoQ
|
+6.2% |
58.5%
-3.0% YoY
|
71.5%
-0.6% YoY
|
65.6%
-1.4% YoY
|
59% |
| AMR |
$27,563
+10.4% YoY+2.7% QoQ
|
+$13K |
$14,884
-1.7% YoY
|
$24,339
+6.3% YoY
|
$19,920
+1.6% YoY
|
Top 5.5% in tier |
| CD Concentration |
20.8%
+19.6% YoY+10.9% QoQ
|
-3.4% | 24.3% | 26.7% | 19.8% | 50% |
| Indirect Auto % |
3.5%
-22.2% YoY-4.2% QoQ
|
-10.3% | 13.8% | 12.4% | 7.7% | 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)