# SAN JUAN MOUNTAINS
Montrose, CO · NCUA charter 60110 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/san-juan-mountains-60110

Who the members are: state charter, organized 1958. 3,339 members of 255,190 potential (1.3% of the field); checking penetration 78% (share draft accounts per 100 members); loans per 100 members 31.

**Verdict on the desk:** this could be *ordinary*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $62.7M |
| Members | 3,339 (-1.9% YoY) |
| Full-time staff | 10 |
| Net worth | $6.5M |
| Net worth ratio | 10.4% (p25 of band) |
| ROA (annualized) | 1.26% (p77 of band) |
| Total delinquency | 0.00% (p2 of band) |
| Net charge-offs (annualized) | 0.00% (p13 of band) |
| Loans / shares | 65% (p56 of band) |
| Cash / assets | 39.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.86% (p61 of band) |
| Operating expense / assets | 3.17% (p36 of band) |
| Vehicles % of loans | 17% (p10 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 21% |
| Third-party paper % of net worth | 19% (p68 of band) |
| Vehicle delinquency | 0.00% (p5 of band) |
| Vehicle NCO | 0.00% (p17 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 71% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 54% |
| Certificates % of member funds | 21% |
| Average share balance | $6,683 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $0 |
| Loans outstanding per 100 members | 31% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $34,722 |
| Loans granted, annualized | $5.7M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $0 outstanding purchased (0.0% of net worth), $114,098 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 9.2% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | delinquency 2x band |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 3 | thin capital, net worth falling |  |
| 2016-12 | 2 |  | net worth falling |
| 2017-03 | 1 |  | delinquency 2x band |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 3 | net worth falling, delinquency 2x band |  |
| 2018-03 | 1 |  | net worth falling, delinquency 2x band |
| 2018-06 | 1 |  |  |
| 2018-09 | 3 | delinquency 2x band, delinquency rising |  |
| 2018-12 | 2 |  | delinquency rising |
| 2019-03 | 1 | delinquency rising | thin capital, delinquency 2x band |
| 2019-06 | 1 | thin capital | delinquency rising |
| 2019-09 | 2 | net worth falling |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 1 |  | net worth falling |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | net worth falling |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 4 | margin squeeze, delinquency rising |  |
| 2021-06 | 1 |  | net worth falling, margin squeeze, delinquency rising |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 2 | delinquency rising |  |
| 2022-09 | 0 |  | thin capital, delinquency rising |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 2 | delinquency rising, members leaving |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 1 |  | delinquency rising |
| 2024-12 | 1 |  |  |
| 2025-03 | 0 |  | members leaving |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | net worth falling |  |
| 2026-03 | 0 |  | net worth falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2023-09-14 [CMU Montrose Lecture Series to Feature Rick Trujillo - Colorado Mesa University](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNcmRCV2o3Yi0xOGZUak1ETjJQbDMtX3pkR0paZWt6R3piWGhJOUdQYjNKblVtVGRjZFowYlVScmpPOWprRzNQWk5IZUN1a2llc2FhYmlHX1BpUEJ0T2Iyb0NvQU56TXJsNGJETFQ1Mkt2eGk0TXBHWkpjcG1DZnFoU3RGT0pUS0MzMERKSVR0WlRKTDVJY21XcWFZZEIwM1F2b2M1SEVNYS0?oc=5) · Colorado Mesa University
- 2026-07-21 [Heavy rain threat moves into northern New Mexico, southern Colorado Wednesday - KRQE](https://news.google.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?oc=5) · KRQE
- 2021-04-01 [Scientists: Grizzlies expand turf but still need protection - Idaho State Journal](https://news.google.com/rss/articles/CBMi6AFBVV95cUxOU2htanBXZXNPbGlOcVJqUEZRWnpWc2tiSWN0OGo3TkxCaUVNdlhtVFRBaERpTFltNnZERWtCaXZFYzB6RW95OTQ3TUoyRE96ZVZ1WWdmMWlGQTNjUDJVNlI2OVk3ZDdXYXByZGRwMmZXZTVIaXd2UGxuOW5ILUZHdGd6ZkwtLUI1YkdnNVFISjgwa19meVpQdG9JQnZSUUx0TWFieDBEM3J5VFB5aG1NU05taUQtZjV5QUJsT3dJUTdjNmJIWUJUR01FODFsMmJaSUdiWUtYQzNrdXZHODlwWGpOdEVncTly?oc=5) · Idaho State Journal
- 2021-08-06 [OBITUARY: Emory Franklin Arndt - Montrose Daily Press](https://news.google.com/rss/articles/CBMirgFBVV95cUxQNkp2dndqczZBdWFkVXB5SXBPNTRtbmZ2dFBkNmpHbUUtR0NvdUVJVTBaajZack9hallPUVptQXd3THl2VXQ1VWNYYmcyejlGOWIwaHhSWlB1RGZGd19zak02bk5ydkcxaVJZenJ3clVibUc0TktaMXpxdnk3cHZZYU5RTjdNTzQ2Mm5OQjloaHdhSTRfNHZXTm9HQjZKY1E4UWV5VmxDa3RibVUyb1E?oc=5) · Montrose Daily Press
- 2012-01-22 [Charles T. Lovely Obituary Jan 22, 2012 - Dyer-Lake Funeral Home and Cremation Services](https://news.google.com/rss/articles/CBMib0FVX3lxTE5HRjB5OTF2d1dPbmU5bzIzRDk1cnU4eGtGTUFCalNqTVEwWi1Hb3lad2pYOURlUzMyeVBOeF9FNVZrNm1NY2g1XzNMNUJKbUZiMmNubVlRU1NWVlIwYjZ2ZXg0dk1vZkxuWUh5NUZvdw?oc=5) · Dyer-Lake Funeral Home and Cremation Services
- 2019-06-28 [Here are the 4th of July fireworks shows, celebrations happening around Colorado in 2019 - Denver7](https://news.google.com/rss/articles/CBMixgFBVV95cUxQWkVLMFVyanBBRjJzVU5sWWxDNElGcTItSE9lUVc4eS0ydFVPU2FHTnA4Uzl6OWRuYUphS2ZvU25sOVN6RHhlQ1N6dEhINWtyaGdsb1kxZ09udlZhUjRvY1cxb1ppTnRUNWRMamxPX0F0d21IWUZmS2J2bWtiYno3MmdqdmlYdndZellKVUVwZ0pvZkxpQ2x2cUg0Slo4ODI1MWlkdmRkT1QxcmY5TmFhUEh3Mlh3dk4zY25wRHVVaUh6a01YTVE?oc=5) · Denver7
- 2020-05-06 [Amanda Nicolas Sullivan | Obituaries - High Country Shopper](https://news.google.com/rss/articles/CBMi0AFBVV95cUxQTVZoLUt1c3RXcGc4YjlXZjBESFY5NkZ3NEtCbjgzLUx5S2hPajl3NTdXRFMxX0Raa0M5YzB6Z2xoR2NyMXhsNEFxR2VRRE92YWdWSWZra3pVWDM2TEhyTDNlTHBXUGdKbkxMSkgwbVYtTjQ0VUZlOVpoUi03bm42WVdiaTBlbVN3cnBkWVVHTUtwTkQ4UWxKSXN6c0JwNXZDTnBtVVV6Q2JfV3llcFVsdklXOXNCNnhIejVxWkxYRUFldmo4NFp3S05kYjlSNkht?oc=5) · High Country Shopper

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=60110 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/14.json (key "60110", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=60110
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide