PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

San Juan Mountains

Montrose, CO · Charter 60110

NCUA · 4 branches

Q2 2026

$61.3MAssets
$36.2MLoans
$54.3MShares
$6.7MNet Worth

Executive Summary

  • Earnings: ROA of 1.25%, up 3 bps year over year; NIM at 3.93%.
  • Asset quality: problem loans at 0.33% of loans (+28 bps YoY).
  • Capital: net worth / assets of 10.97%, down 7 bps from a year ago.
  • Funding: loans stand at 66.63% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

1.25%+3 bps YoY

Net Interest Margin (quarter, annualized)

3.93%-1 bps YoY

Efficiency Ratio (quarter, annualized)

71.91%+10 bps YoY

Net Worth / Assets

10.97%-7 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.00%0.94%1.11%1.21%1.06%0.99%1.26%1.25%+3 bps
Return on Equity9.43%8.80%10.75%11.00%9.95%9.55%12.06%11.39%+39 bps
Net Interest Margin3.77%3.79%3.62%3.94%3.75%3.67%3.86%3.93%-1 bps
Efficiency Ratio76.58%77.98%73.55%71.81%74.84%75.82%71.60%71.91%+10 bps
Growth
Asset Growth (YoY)3.97%4.45%9.31%3.26%8.90%13.37%9.49%10.90%+763 bps
Loan Growth (YoY)1.00%-0.29%-3.48%-5.07%-2.45%1.64%6.93%6.19%+1,125 bps
Share Growth (YoY)3.12%3.56%9.19%2.36%8.81%13.83%9.22%10.90%+855 bps
Asset Quality
Delinquent Loans / Loans0.81%0.81%0.81%0.05%0.06%0.00%0.00%0.33%+28 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.59%10.68%10.34%11.04%10.66%10.37%10.43%10.97%-7 bps
Net Worth / Assets10.59%10.68%10.34%11.04%10.66%10.37%10.43%10.97%-7 bps
Liquidity & Funding
Loans / Shares75.06%74.05%66.06%69.59%67.29%66.12%64.68%66.63%-296 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps