Credit union · NCUA insured
San Juan Mountains CU
Top CarrotA $62.7M credit union headquartered in Montrose, CO, with 3,339 members and 1 branch in Colorado. Best rates: CDs 3.20% and savings 1.46% APY.
San Juan Mountains CU Carrot Score
Carrot ScoreTop Carrot
Higher than 82% of U.S. banks and credit unions
#1 of 8 in Montrose, CO metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About San Juan Mountains CU
San Juan Mountains Credit Union is based in Montrose, Colorado, and has been serving its members since 1958.
- Headquarters
- 1400 E Main St, Montrose, CO 81401
- NCUA charter
- 60110
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to individuals who live or work in Montrose, Gunnison, San Miguel, Hindsdale, Ouray, Delta, or Mesa County.
Employers and groups
- Eligibility is available through participating Select Employer Groups (SEGs).
Family and household
- All family members of an existing credit union member are eligible for membership.
Cost to join
- A $25.00 deposit is required to start a share account upon completing the membership new account card.
Branches
1 branch in Colorado
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Colorado
1 branch
- San Juan Mountains Credit UnionMain office1400 E Main St, Montrose, CO 81401Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.97% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.33% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.25% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $67 | $59 | — |
- CapitalNet worth ratio10.97%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.33%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.25%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$67Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of San Juan Mountains CU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.