San Juan Mountains

Montrose, CO · 2 · Charter #60110 · www.sjmcreditunion.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$61.1M
13th percentile
Members
3,379
8th percentile
Total loans
$36.1M
21th percentile
Total shares
$54.6M
16th percentile

Profitability

Return on assets
1.01%
48th percentile
Net interest margin
3.67%
50th percentile
Efficiency ratio
62.40%
51th percentile
Non-interest income ratio
10.25%
16th percentile

Capital & Risk

Net worth ratio
10.37%
27th percentile
Delinquency rate
0.00%
99th percentile
Net charge-off rate
0.13%
79th percentile
Loan-to-share
66.12%
46th percentile

Growth

Member growth YoY
-1.20%
43th percentile
Asset growth YoY
13.37%
95th percentile
Loan growth YoY
1.64%
52th percentile
Share growth YoY
13.83%
94th percentile

Operations

Members / branch
1,690
13th percentile
Assets / member
$18,093
77th percentile
Field of membership penetration
1.32%
21th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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