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Overview / Commentary
1102 S Cascade Ave
Montrose, CO 81401

San Juan Mountains Credit Union is headquartered in Montrose and is the 56th largest credit union in the state of Colorado. It is also the 3,147th largest credit union in the nation. It was established in 1958 and as of March of 2014, it had grown to 8 employees and 3,610 members. San Juan Mountains Credit Union has a C+ health rating.

Field of Membership Restrictions

Must be an employee or member of one of the several select organizations. - See Details

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Data for Q1 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. San Juan Mountains Credit Union has a low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 San Juan Mountains Credit Union had $411,000 in non-current loans and owned real-estate with $2.62 million in equity and loan loss allowances on hand to cover it. This gives San Juan Mountains Credit Union a Texas Ratio of 15.68% which is above 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 increased slightly from 7.98% as of March 31, 2013 to 15.68% as of March 31, 2014, resulting in a negative change of 96.40%. This indicates that the balance sheet and financial strength for San Juan Mountains Credit Union has declined slightly in recent periods.

Deposit Growth


In the past year, San Juan Mountains Credit Union has increased its total deposits by $1.62 million, resulting in 7.23% 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.



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 $26.45 million in assets with $2.62 million in equity, resulting in a capitalization level of 9.91%, which is above average.

Institution Statistics

NCUA #60110
Year Chartered1958
Primary Regulator
Assets and Liabilities
Assets$26.45 million
Loans$18.34 million
Deposits$24.10 million
Equity Capital$2.32 million
Loan Loss Allowance$307,000
Unbacked Noncurrent Loans$355,000
Real Estate Owned$56,000
Historic Data - March 2013
Assets$24.58 million
Equity Capital$2.06 million
Loan Loss Allowance$260,000
Unbacked Noncurrent Loans$355,000
Real Estate Owned$34,000
Profit Margin - Quarterly
Net Interest Margin1.36%
Return on Assets0.91%
Return on Equity10.37%
Interest Income$262,000
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San Juan Mountains Credit Union Savings Account Rates

0.41%$25-Christmas Club Account
0.25%--Kangaroo Kid's Klub Account
0.07%$500-High Yield Account
0.07%$5k-High Yield Gold Account
0.03%$25-Regular Share Account

San Juan Mountains Credit Union CD Rates

0.71%$500-60 Month CD
0.61%$500-36 Month CD
0.41%$500-24 Month CD
0.31%$500-18 Month CD
0.26%$500-12 Month CD
0.21%$500-6 Month CD

San Juan Mountains Credit Union IRA Rates

0.71%$500-60 Month IRA
0.61%$500-36 Month IRA
0.41%$500-24 Month IRA
0.31%$500-18 Month IRA
0.26%$500-12 Month IRA
0.21%$500-6 Month IRA

San Juan Mountains Credit Union Locations
Branch Office1102 S Cascade AveMontrose, CO 81401
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