Side-by-side · Q2 2026 data
San Juan Mountains Credit Union vs Sovita Credit Union
Metric by metric
| Measure | San Juan Mountains Credit Union | Sovita Credit Union |
|---|---|---|
| TellerScore | 78 | 90 (stronger) |
| Capital cushion | 60 | 100 (stronger) |
| Loan quality | 89 | 90 (stronger) |
| Earnings | 70 (stronger) | 64 |
| Funding & liquidity | 94 | 100 (stronger) |
| Problem-loan coverage | 96 | 99 (stronger) |
| Peer percentile | 59th | 95th |
| Total assets | $61.3M | $592.0M |
| Deposits / shares | $54.3M | $501.3M |
| Capital ratio | 10.97% | 16.10% (stronger) |
| Problem loans | 0.33% | 0.31% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.09% |
| Return on assets | 1.25% (stronger) | 1.11% |
| Loans ÷ deposits | 66.6% | 27.5% (stronger) |
| Uninsured deposits | 7.8% | 5.0% (stronger) |
| Offices | 3 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 6.7% |
Sovita Credit Union has the higher TellerScore (90 vs 78). On the 7 directional measures above (where higher or lower is clearly better), San Juan Mountains Credit Union leads on 2 and Sovita Credit Union on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.