San Juan Mountains Credit Union

San Juan Mountains Credit Union is headquartered in Montrose and is the 58^th largest credit union in the state of Colorado. It is also the 3,314^st largest credit union in the nation. It was established in 1958 and as of December of 2011, it had grown to 9 employees and 2,996 members. San Juan Mountains Credit Union has a 4-star health rating.

San Juan Mountains Credit Union Routing Number: 302177107

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Data for Q4 2011

Institution Statistics SAN JUAN MOUNTAINS NCUA # 60110 BankRate Report View Year Chartered 1958 Employees 9 Primary Regulator Assets and Liabilities Assets $23.32 million Loans $13.78 million Deposits $21.34 million Equity Capital $1.92 million Loan Loss Allowance $253,000 Unbacked Noncurrent Loans $415,000 Real Estate Owned $102,000 Historic Data - December 2010 Assets $20.80 million Equity Capital $1.99 million Loan Loss Allowance $207,000 Unbacked Noncurrent Loans $833,000 Profit Margin - Quarterly Net Interest Margin 7.04% Return on Assets -0.33% Return on Equity -3.96% Interest Income $1.07 million Non-Interest Income $200,000

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 San Juan Mountains Credit Union had $517,000 in non-current loans and owned real-estate with $2.17 million in equity and loan loss allowances on hand to cover it. This gives San Juan Mountains Credit Union a Texas Ratio of 23.82% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for San Juan Mountains Credit Union decreased slightly from 37.85% as of December 31, 2010 to 23.82% as of December 31, 2011, resulting in a positive change of 37.05%.This indicates that the balance sheet and financial strength for San Juan Mountains Credit Union has improved slightly in recent periods. Deposit Growth In the past year, San Juan Mountains Credit Union has increased its total deposits by $2.62 million, resulting in 13.98% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth San Juan Mountains Credit Union has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. San Juan Mountains Credit Union has $23.32 million in assets with $2.17 million in equity, resulting in a capitalization level of 9.31%, which is average.

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