San Juan Mountains
Montrose, CO · Charter 60110 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
$61.3MAssets
$36.2MLoans
$54.3MShares
$6.7MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 90% of credit unions under $1B in assets (rank 174 of 1681).
- Widest gap: equity / assets trails 69% of credit unions under $1B in assets (rank 1162 of 1683).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
1.25%
Rank 375 of 1,683
Net Interest Margin
3.93%
Rank 730 of 1,683
Efficiency Ratio
71.85%
Rank 530 of 1,682
Equity / Assets
10.97%
Rank 1,162 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.25% | 0.35% | 0.74% | 1.18% | Beats 78% | 375 / 1,683 | | |
| Return on Equity | 11.39% | 2.67% | 5.89% | 8.74% | Beats 90% | 174 / 1,681 | | |
| Net Interest Margin | 3.93% | 3.31% | 3.82% | 4.32% | Beats 57% | 730 / 1,683 | | |
| Efficiency Ratio | 71.85% | 68.91% | 78.20% | 86.93% | Beats 69% | 530 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.33% | 0.26% | 0.65% | 1.29% | Beats 70% | 500 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.97% | 10.44% | 12.89% | 16.53% | Beats 31% | 1,162 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.97% | 10.44% | 12.89% | 16.53% | Beats 31% | 1,162 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 66.63% | 52.61% | 69.38% | 83.50% | 45th pctl | 928 / 1,683 | | |
| Loans / Assets | 59.06% | 44.71% | 59.18% | 70.72% | 50th pctl | 845 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |