SAN JUAN
Charter #67163 | UT
<100M
(2596 CUs)
Micro
($0-$500M)
30 <100M in UT
SAN JUAN has 5 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.33% above tier average
- + Net Interest Margin 2.78% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 2.2% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.93% above tier average
- - Member decline: -2.5% YoY
- - Net Charge-Off Rate: Bottom 7.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,088
-2.5% YoY-0.9% QoQ
|
+1.5K |
2,625
-2.2% YoY
|
76,315
+6.4% YoY
|
33,089
+6.1% YoY
|
Top 20.6% in tier |
| Assets |
$29.5M
-1.6% YoY+0.4% QoQ
|
$-380K |
$29.9M
+1.1% YoY
|
$1.2B
+10.2% YoY
|
$547.7M
+7.8% YoY
|
60th in tier |
| Loans |
$18.9M
+0.7% YoY-3.1% QoQ
|
+$3.2M |
$15.8M
-2.4% YoY
|
$924.9M
+10.2% YoY
|
$388.7M
+8.6% YoY
|
68th in tier |
| Deposits |
$25.3M
-2.8% YoY+0.1% QoQ
|
$-141K |
$25.5M
+0.4% YoY
|
$1.1B
+10.6% YoY
|
$464.6M
+9.3% YoY
|
60th in tier |
| ROA |
1.0%
+152.2% YoY-4.1% QoQ
|
+0.3% |
0.7%
-731.4% YoY
|
0.9%
+11.6% YoY
|
0.7%
+273.4% YoY
|
62nd in tier |
| NIM |
6.7%
-0.3% YoY+0.5% QoQ
|
+2.8% |
3.9%
+3.8% YoY
|
3.4%
+7.0% YoY
|
3.7%
+5.0% YoY
|
Top 2.0% in tier |
| Efficiency Ratio |
77.4%
-5.6% YoY+2.7% QoQ
|
-4.0% |
81.4%
-2.4% YoY
|
71.6%
-3.7% YoY
|
79.1%
-3.3% YoY
|
48th in tier |
| Delinquency Rate |
2.4%
+21.2% YoY+24.5% QoQ
|
+0.9 |
1.5%
-2.0% YoY
|
0.7%
+11.8% YoY
|
1.2%
-0.9% YoY
|
Top 15.8% in tier |
| Loan To Share |
74.8%
+3.6% YoY-3.2% QoQ
|
+13.6% |
61.2%
-3.0% YoY
|
78.2%
-2.6% YoY
|
68.0%
-1.7% YoY
|
70th in tier |
| AMR |
$10,827
+1.2% YoY-0.4% QoQ
|
$-4K |
$14,627
-2.7% YoY
|
$21,167
+3.5% YoY
|
$19,418
+1.3% YoY
|
33rd in tier |
| CD Concentration |
22.8%
+1.8% YoY-2.4% QoQ
|
-1.6% |
24.4%
+4.2% YoY
|
27.9%
+4.6% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
7.4%
-10.5% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
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)
Top Strengths (5 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
53
Net Interest Margin (NIM)
profitability
Value:
6.71%
Peer Avg: 3.93%
#53 of 2596
Top 2.0% in <100M tier
57
Fee Income Per Member
profitability
Value:
$302.71
Peer Avg: $182.96
#57 of 2596
Top 2.2% in <100M tier
534
Total Members
engagement
Value:
4,088
Peer Avg: 2,626
#534 of 2596
Top 20.5% in <100M tier
Top Weaknesses (2 metrics)
2394
Net Charge-Off Rate
risk
Value:
1.64%
Peer Avg: 0.57%
#2394 of 2596
Bottom 7.8% in <100M tier
2188
Total Delinquency Rate (60+ days)
risk
Value:
2.44%
Peer Avg: 1.51%
#2188 of 2596
Bottom 15.8% in <100M tier