San Juan Mountains Credit Union (NCUA charter #60110) is based in Montrose, Colorado. Its Q2 2026 call report shows $61.3M in total assets and $54.3M in member shares and deposits and 3 offices across 2 states.
Based on its Q2 2026 filing, San Juan Mountains Credit Union scores 78/100, which we describe as strong. That is higher than 59% of 2,479 credit unions with under $100 million in assets. Among 62 credit unions headquartered in Colorado, it ranks 18th. Its strongest component is problem-loan coverage (96/100; 1.8%), and its lowest is capital cushion (60/100; 10.97%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 2 points (80 → 78), mostly because the loan quality component weakened by 9 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 68 |
| Q3 2024 | 69 |
| Q4 2024 | 69 |
| Q1 2025 | 70 |
| Q2 2025 | 80 |
| Q3 2025 | 78 |
| Q4 2025 | 77 |
| Q1 2026 | 80 |
| Q2 2026 | 78 |
Show as table
| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 10.29% |
| Q3 2024 | 10.58% |
| Q4 2024 | 10.68% |
| Q1 2025 | 10.34% |
| Q2 2025 | 11.04% |
| Q3 2025 | 10.66% |
| Q4 2025 | 10.37% |
| Q1 2026 | 10.43% |
| Q2 2026 | 10.97% |
Show as table
| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.73% |
| Q3 2024 | 0.81% |
| Q4 2024 | 0.81% |
| Q1 2025 | 0.81% |
| Q2 2025 | 0.05% |
| Q3 2025 | 0.06% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.33% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.88% |
| Q3 2024 | 1.00% |
| Q4 2024 | 0.94% |
| Q1 2025 | 1.11% |
| Q2 2025 | 1.21% |
| Q3 2025 | 1.06% |
| Q4 2025 | 0.99% |
| Q1 2026 | 1.26% |
| Q2 2026 | 1.25% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 78 | $61.3M | 10.97% | 0.33% | 1.25% | 66.6% |
| Q1 2026 | 80 | $62.7M | 10.43% | 0.00% | 1.26% | 64.7% |
| Q4 2025 | 77 | $61.1M | 10.37% | 0.00% | 0.99% | 66.1% |
| Q3 2025 | 78 | $58.4M | 10.66% | 0.06% | 1.06% | 67.3% |
| Q2 2025 | 80 | $55.3M | 11.04% | 0.05% | 1.21% | 69.6% |
| Q1 2025 | 70 | $57.2M | 10.34% | 0.81% | 1.11% | 66.1% |
| Q4 2024 | 69 | $53.9M | 10.68% | 0.81% | 0.94% | 74.1% |
| Q3 2024 | 69 | $53.6M | 10.58% | 0.81% | 1.00% | 75.1% |
| Q2 2024 | 68 | $53.5M | 10.29% | 0.73% | 0.88% | 75.0% |
2,479 peers · Under $100 million in assets
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Colorado
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Fellowship Credit UnionCredit union Lamar, CO | 66 out of 100, Moderate | $64.6M | 11.1% | 0.86% | vs |
| Westminster Federal Credit UnionCredit union Westminster, CO | 63 out of 100, Moderate | $54.6M | 9.7% | 1.11% | vs |
| Electrical Federal Credit UnionCredit union Arvada, CO | 77 out of 100, Strong | $54.3M | 13.0% | 0.75% | vs |
| Yuma County Federal Credit UnionCredit union Yuma, CO | 85 out of 100, Very strong | $53.0M | 12.9% | 0.00% | vs |
| Delta County Federal Credit UnionCredit union Delta, CO | 71 out of 100, Strong | $72.8M | 10.2% | 0.73% | vs |
| Holyoke Community Federal Credit UnionCredit union Holyoke, CO | 63 out of 100, Moderate | $49.8M | 8.3% | 0.88% | vs |
Deposit insurance
Is my money safe at San Juan Mountains Credit Union?
Yes. San Juan Mountains Credit Union is a federally insured credit union (NCUA charter #60110). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 7.8% of shares and deposits ($4.3M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 10.97%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
3 locations
Branches
San Juan Mountains Credit Union lists 3 offices in 2 cities across 2 states. Most locations:
- Montrose, CO (2)
- Flint, MI (1)
Identity & history
Profile
- Legal name
- San Juan Mountains Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 60110
- RSSD ID
- 553597
- Primary regulator
- State + NCUA
- Established
- 1958
- Headquarters
- 1400 E Main St, Montrose, CO 81401
- Employees
- 10
Quick answers
San Juan Mountains Credit Union: common questions
Is San Juan Mountains Credit Union NCUA insured?
Yes. San Juan Mountains Credit Union is a federally insured credit union (NCUA charter #60110). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is San Juan Mountains Credit Union's TellerScore?
78 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does San Juan Mountains Credit Union have?
3 offices as of the latest NCUA data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Montrose
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Nuvista Federal Credit UnionCredit union Montrose, CO | 92 out of 100, Very strong | $172.3M | 14.3% | 0.00% | vs |
| Timberline BankBank Grand Junction, CO | 75 out of 100, Strong | $832.6M | 9.4% | 0.06% | vs |
| Bank of ColoradoBank Fort Collins, CO | 74 out of 100, Strong | $7.6B | 10.5% | 0.10% | vs |
| Alpine BankBank Glenwood Springs, CO | 73 out of 100, Strong | $6.7B | 11.0% | 0.31% | vs |
| The Central Trust BankBank Jefferson City, MO | 69 out of 100, Moderate | $20.3B | 7.9% | 0.49% | vs |
| Oakstar BankBank Springfield, MO | 69 out of 100, Moderate | $3.3B | 9.8% | 0.48% | vs |