State credit union · Montrose, Colorado · NCUA charter #60110
San Juan Mountains
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $61.1M
- Total assets
- 3,379
- Members
- 10.4%
- Net-worth ratio
San Juan Mountains scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $61.1M; members 3,379; net-worth ratio 10.43%; health rank #978 of 4,374; healthier than 77th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#978 of 4,374 health · 2025Q4San Juan Mountains · health 91/100 · $61.1M · 2025Q4
- ROA 91/100
- ASSETS 10.4%
- MEM 0.00%
- RANK 0.83%
- PHOTO $61.1M
- BOOK 3,379
- CHARTER #978/4,374
- NCUSIF RIMROCK
- CAMELS 60110
San Juan Mountains in the assets neighbourhood
San Juan Mountains's $61.1M assets sit next to RIMROCK ($61.2M) 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 Mountains 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
91 Top 23% higher than 77% 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 Mountains - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #60110, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Peer-gap read for San Juan Mountains
- Loan-to-Share Ratio leads the peer set - 66.12% here, 62.60% peer average (+3.52 pp).
- Net Worth Ratio trails the peer set - 10.43% here, 13.62% peer average (-3.19 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
San Juan Mountains: in-state Call Report ranks
- Health composite ranks #18 of 66 among scored Colorado credit unions.
- Assets rank #44 of 66 inside Colorado ($61.1M reported).
- Colorado membership ordinal: #46 of 66.
In-state ordinals use the live credit_unions table for CO only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
San Juan Mountains: 2025Q4 → 2026Q1
San Juan Mountains: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.5% from $61.1M (2025Q4) to $62.7M (2026Q1).
- Net-worth ratio shifted +0.06 pp (10.37% → 10.43%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 10.43% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 91/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 91.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 6.8 pts
- Loan-to-Share Ratio 14.2 pts
San Juan Mountains vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.43% | -3.19 pp |
| Delinquency Rate | 0.00% | -0.96 pp |
| Return on Assets | 0.83% | +0.17 pp |
| Member Growth | -1.20% | - |
| Loan-to-Share Ratio | 66.12% | +3.52 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
San Juan Mountains quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $62.7M | - |
| 2025Q4 | $61.1M | 3,379 |
| 2024Q4 | $53.9M | 3,420 |
| 2023Q4 | $51.6M | 3,915 |
Credit Union Details
- Charter Number
- 60110
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Colorado
- City
- Montrose
- Data Quarter
- 2025Q4
Branch Locations (4)
San Juan Mountains operates 4 offices across 3 cities, spanning 3 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| San Juan Mountains Credit Union (Main Office) | Montrose, CO |
| Fiserv ONCU | Flint, MI |
| Fiserv -Portico | MILWAUKEE, WI |
| Disaster Location | Montrose, CO |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Colorado
More federally-insured credit unions based in Colorado, ordered by peer group match and asset size.
San Juan Mountains nationwide neighbourhoods
San Juan Mountains's nationwide photo peers by assets and by health score, excluding Colorado charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($61.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (91/100 here).
Using this data
- San Juan Mountains ranks #978 of 4,374 nationally on financial health and #18 of 66 in CO -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- FELLOWSHIP is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with FELLOWSHIP
- Rates and health both vary by institution, not just by state -- see how Colorado credit unions compare overall before assuming this one is typical. Colorado 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 Mountains financially healthy?
Yes/no aside, the number is 91/100 (Excellent) - San Juan Mountains'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 #978 of 4,374; by total assets it ranks #2,242 of 4,374 nationally (same basis as /rankings/largest); and #44 of 66 within Colorado. Above 80 reads excellent, below 50 warrants closer monitoring; a 10.43% net worth ratio and 0.00% delinquency rate are the key drivers.
How does San Juan Mountains compare to other credit unions?
91/100 is San Juan Mountains's score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Mountains?
Membership eligibility for San Juan Mountains 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 Mountains directly for current membership requirements and application steps.
Is my money safe at San Juan Mountains?
Federal credit unions like San Juan Mountains 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 Mountains's net worth ratio of 10.43% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does San Juan Mountains offer compared to banks?
Credit unions like San Juan Mountains 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 Mountains 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.