| Metric | San Juan Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.7% | +1.3% | +0.4 pts |
| Share growth (YoY) | +1.0% | +0.9% | +0.1 pts |
| Loan growth (YoY) | -7.6% | -2.6% | -5.0 pts |
| ROA | 0.60% | 0.65% | -0.0 pts |
| ROE | 4.3% | 4.4% | -0.1 pts |
ROA ranks in the 48th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $29.9M | $25.5M | $18.1M | $4.2M | $90K | 0.60% | 6.13% | 2.31% | 4,772 |
| Q1 2026 | $31.1M | $26.8M | $18.3M | $4.1M | $25K | 0.32% | 5.92% | 1.45% | 4,808 |
| Q4 2025 | $29.2M | $25.0M | $18.2M | $4.1M | $269K | 0.92% | 6.68% | 2.24% | 4,050 |
| Q3 2025 | $29.5M | $25.3M | $18.9M | $4.0M | $224K | 1.01% | 6.70% | 2.44% | 4,088 |
| Q2 2025 | $29.4M | $25.3M | $19.6M | $4.0M | $158K | 1.07% | 6.76% | 1.96% | 4,125 |
| Q1 2025 | $30.1M | $26.1M | $19.0M | $3.9M | $80K | 1.07% | 6.60% | 2.22% | 4,154 |
| Q4 2024 | $28.9M | $25.0M | $18.1M | $3.8M | $97K | 0.34% | 6.83% | 2.92% | 4,141 |
| Q3 2024 | $29.9M | $26.0M | $18.8M | $3.8M | $88K | 0.39% | 6.54% | 2.01% |
| Ratio | San Juan Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.60% | 0.65% | 48th | |
Return on equity Annualized net income ÷ equity or net worth | 4.3% | 4.4% | 49th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.13% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 4,192 |
| Q2 2024 | $28.3M | $24.4M | $19.1M | $3.8M | $36K | 0.25% | 6.80% | 1.67% | 4,217 |
Loan mix (Q2 2026): real estate $24K · commercial $0 · consumer $16.0M · securities $8.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.9% | 80.6% | 53rd |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | San Juan Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | San Juan Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | San Juan Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | San Juan Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | San Juan Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
5 branches in 2 counties across 1 state (+2 vs 2025). Biggest market: San Juan, UT, ranked 4th with 8.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| San Juan, UT | 3 | $15.3M* | 7.98% | 4th |
| Salt Lake, UT | 2 | $10.2M* | 0.00% | 111th |
Utah: 112th with 0.00% · Salt Lake City-Murray metro: 111th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 5