State credit union · BLANDING, Utah · NCUA charter #67163
San Juan
Health score 74/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 74
- Health / 100
- $29.2M
- Total assets
- 4,050
- Members
- 13.2%
- Net-worth ratio
San Juan scores 74/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $29.2M; members 4,050; net-worth ratio 13.16%; health rank #3,333 of 4,374; healthier than 23rd of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,333 of 4,374 health · 2025Q4San Juan · health 74/100 · $29.2M · 2025Q4
- CHARTER 74/100
- NCUSIF 13.2%
- CAMELS 2.24%
- HEALTH 0.33%
- NW $29.2M
- DELQ 4,050
- ROA #3,333/4,374
- ASSETS I B E W 26
- MEM 67163
Call Report peers
San Juan in the assets neighbourhood
San Juan's $29.2M assets sit next to I B E W 26 ($29.2M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
San Juan vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
74 23rd percentile higher than 23% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
San Juan - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #67163: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Peer-gap read for San Juan
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +12.96 pp (72.76% vs 59.80%).
- Net Worth Ratio trails the peer set - 13.16% here, 14.86% peer average (-1.70 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where San Juan sits in Utah
- In Utah, health place is #43 of 53 on the same NCUA-ratio sort used nationally.
- By total assets, San Juan is #36 of 53 in Utah.
- Membership ranks #27 of 53 among Utah CUs with a reported count (4,050 members).
In-state ordinals use the live credit_unions table for UT only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
San Juan: 2025Q4 → 2026Q1
San Juan: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +6.6% from $29.2M (2025Q4) to $31.1M (2026Q1).
- Net-worth ratio shifted -0.78 pp (13.94% → 13.16%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 13.16%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 74/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 74.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 11.0 pts
- Return on Assets 12.5 pts
- Member Growth 5.0 pts
- Loan-to-Share Ratio 15.5 pts
San Juan vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.16% | -1.70 pp |
| Delinquency Rate | 2.24% | +1.09 pp |
| Return on Assets | 0.33% | -0.37 pp |
| Member Growth | -2.20% | - |
| Loan-to-Share Ratio | 72.76% | +12.96 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
San Juan quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $31.1M | - |
| 2025Q4 | $29.2M | 4,050 |
| 2024Q4 | $28.9M | 4,141 |
| 2023Q4 | $27.4M | 4,264 |
Credit Union Details
- Charter Number
- 67163
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Utah
- City
- BLANDING
- Data Quarter
- 2025Q4
Branch Locations (5)
The NCUA branch filing lists 5 physical offices for San Juan, spread across 4 cities.
| Office | City |
|---|---|
| SAN JUAN CREDIT UNION (Main Office) | BLANDING, UT |
| SAN JUAN CREDIT UNION | BLUFF, UT |
| SAN JUAN CREDIT UNION | MONTICELLO, UT |
| CMC FLEX | SANDY, UT |
| CMC FLEX | SANDY, UT |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Utah
More federally-insured credit unions based in Utah, ordered by peer group match and asset size.
San Juan nationwide neighbourhoods
Cross-state asset and health neighbours for San Juan - kept outside Utah; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($29.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (74/100 here).
Using this data
- San Juan ranks #3,333 of 4,374 nationally on financial health and #43 of 53 in UT -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- New Heights is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with New Heights
- Rates and health both vary by institution, not just by state -- see how Utah credit unions compare overall before assuming this one is typical. Utah state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is San Juan financially healthy?
Yes/no aside, the number is 74/100 (Very Good) - San Juan's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,333 of 4,374; by total assets it ranks #2,872 of 4,374 nationally (same basis as /rankings/largest); and #36 of 53 within Utah. Above 80 reads excellent, below 50 warrants closer monitoring; a 13.16% net worth ratio and 2.24% delinquency rate are the key drivers.
How does San Juan compare to other credit unions?
PlainCU's health composite puts San Juan at 74/100, compared to a peer group average for $10M–$50M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join San Juan?
Membership eligibility for San Juan depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact San Juan directly for current membership requirements and application steps.
Is my money safe at San Juan?
Federal credit unions like San Juan are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. San Juan's net worth ratio of 13.16% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does San Juan offer compared to banks?
Credit unions like San Juan are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact San Juan directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.