BlastPoint's Credit Union Scorecard

SAN JUAN MOUNTAINS

Charter #60110 · CO

2596 CUs in <100M nationally 29 in CO

SAN JUAN MOUNTAINS has 3 strengths but faces 1 concern

National Analysis

How does the industry compare?

CO Analysis

How does CO stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.41% above tier average
+ Loan-to-Member Ratio (LMR): Top 7.2% in tier
+ Average Member Relationship (AMR): Top 7.2% in tier

Key Concerns

Areas that may need attention

- First Mortgage Concentration (%): Bottom 2.6% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Members	3,393 -1.3% YoY-0.7% QoQ	+767	2,625 -2.2% YoY	38,063 +8.0% YoY	33,089 +6.1% YoY	72%
Assets	$58.4M +8.9% YoY+5.6% QoQ	+$28.5M	$29.9M +1.1% YoY	$678.0M +7.3% YoY	$547.7M +7.8% YoY	82%
Loans	$35.0M -2.5% YoY+2.6% QoQ	+$19.2M	$15.8M -2.4% YoY	$529.4M +8.0% YoY	$388.7M +8.6% YoY	Top 14.1% in tier
Deposits	$52.0M +8.8% YoY+6.1% QoQ	+$26.5M	$25.5M +0.4% YoY	$571.8M +9.1% YoY	$464.6M +9.3% YoY	83%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.1% +9.1% YoY-8.6% QoQ	+0.4%	0.7% -731.4% YoY	0.5% +8.5% YoY	0.7% +273.4% YoY	66%
NIM	3.9% +2.3% YoY-0.3% QoQ	-0.1%	3.9% +3.8% YoY	3.6% +3.7% YoY	3.7% +5.0% YoY	48%
Efficiency Ratio	74.8% -2.3% YoY+4.2% QoQ	-6.6%	81.4% -2.4% YoY	80.6% -2.6% YoY	79.1% -3.3% YoY	42%
Delinquency Rate	0.1% -92.4% YoY+18.5% QoQ	-1.4	1.5% -2.0% YoY	0.9% +6.2% YoY	1.2% -0.9% YoY	18%
Loan To Share	67.3% -10.3% YoY-3.3% QoQ	+6.1%	61.2% -3.0% YoY	72.9% -3.4% YoY	68.0% -1.7% YoY	58%
AMR	$25,621 +5.3% YoY+5.4% QoQ	+$11K	$14,627 -2.7% YoY	$22,866 +4.1% YoY	$19,418 +1.3% YoY	Top 7.3% in tier
CD Concentration	18.3% -3.1% YoY-3.0% QoQ	-6.1%	24.4% +4.2% YoY	26.3% +7.3% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	4.0% -10.7% YoY-7.4% QoQ	-9.9%	14.0% -5.7% YoY	12.4% -8.4% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Compare against:

Comparing against 2596 peers in tier

Top Strengths (9 metrics)

188

Loan-to-Member Ratio (LMR)

engagement

Value: $10,306

Peer Avg: -

#188 of 2596 Top 7.2% in <100M tier

189

Average Member Relationship (AMR)

engagement

Value: $25,621

Peer Avg: -

#189 of 2596 Top 7.2% in <100M tier

276

Asset Growth Rate

growth

Value: 8.90%

Peer Avg: -

#276 of 2596 Top 10.6% in <100M tier

295

Deposit Growth Rate

growth

Value: 8.81%

Peer Avg: -

#295 of 2596 Top 11.3% in <100M tier

366

Total Loans

balance_sheet

Value: $34.97M

Peer Avg: -

#366 of 2596 Top 14.1% in <100M tier

437

Total Deposits

balance_sheet

Value: $51.96M

Peer Avg: -

#437 of 2596 Top 16.8% in <100M tier

464

Total Assets

balance_sheet

Value: $58.38M

Peer Avg: -

#464 of 2596 Top 17.8% in <100M tier

469

Total Delinquency Rate (60+ days)

risk

Value: 0.06%

Peer Avg: -

#469 of 2596 Top 18.0% in <100M tier

638

AMR Growth Rate

growth

Value: 5.33%

Peer Avg: -

#638 of 2596 Top 24.5% in <100M tier

Top Weaknesses (3 metrics)

2530

First Mortgage Concentration (%)

balance_sheet

Value: 67.05%

Peer Avg: -

#2530 of 2596 Bottom 2.6% in <100M tier

2285

Indirect Auto Concentration (%)

balance_sheet

Value: 4.03%

Peer Avg: -

#2285 of 2596 Bottom 12.0% in <100M tier

2019

Net Worth Ratio

risk

Value: 10.66%

Peer Avg: -

#2019 of 2596 Bottom 22.3% in <100M tier