BlastPoint's Credit Union Scorecard
GRANCO
Charter #10904 · WA
GRANCO demonstrates 7 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.63% above tier average
- + Net Interest Margin 0.99% above tier average
- + Total Deposits: Top 1.4% in tier
- + Total Assets: Top 1.9% in tier
- + Total Loans: Top 4.2% in tier
- + Average Member Relationship (AMR): Top 6.1% in tier
- + Loan-to-Member Ratio (LMR): Top 7.0% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,039
-0.3% YoY-0.5% QoQ
|
+2.4K |
2,615
-1.9% YoY
|
67,597
+5.2% YoY
|
33,374
+5.7% YoY
|
Top 13.5% in tier |
| Assets |
$94.8M
+2.2% YoY+0.9% QoQ
|
+$64.7M |
$30.1M
+2.1% YoY
|
$1.3B
+7.9% YoY
|
$561.6M
+9.7% YoY
|
Top 1.9% in tier |
| Loans |
$52.8M
-1.7% YoY+1.0% QoQ
|
+$37.0M |
$15.8M
-1.3% YoY
|
$943.7M
+8.0% YoY
|
$397.0M
+8.8% YoY
|
Top 4.2% in tier |
| Deposits |
$83.6M
+0.9% YoY+0.7% QoQ
|
+$57.9M |
$25.7M
+1.4% YoY
|
$1.1B
+9.4% YoY
|
$477.3M
+9.7% YoY
|
Top 1.5% in tier |
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| ROA |
1.2%
+30.1% YoY-8.8% QoQ
|
+0.6% |
0.6%
+10.8% YoY
|
0.6%
+2.5% YoY
|
0.7%
+15.9% YoY
|
76% |
| NIM |
4.9%
-3.1% YoY-0.7% QoQ
|
+1.0% |
4.0%
+4.0% YoY
|
3.7%
+4.7% YoY
|
3.8%
+5.1% YoY
|
84% |
| Efficiency Ratio |
74.1%
+0.1% YoY+0.3% QoQ
|
-8.4% |
82.6%
-2.3% YoY
|
76.6%
-1.6% YoY
|
79.7%
-3.3% YoY
|
36% |
| Delinquency Rate |
0.7%
-70.6% YoY+8.4% QoQ
|
-0.9 |
1.6%
-3.1% YoY
|
0.9%
-2.6% YoY
|
1.3%
-2.1% YoY
|
48% |
| Loan To Share |
63.2%
-2.6% YoY+0.3% QoQ
|
+2.5% |
60.6%
-3.1% YoY
|
76.8%
-1.3% YoY
|
67.4%
-1.7% YoY
|
53% |
| AMR |
$27,062
+0.2% YoY+1.3% QoQ
|
+$12K |
$14,783
-1.4% YoY
|
$29,074
+3.3% YoY
|
$19,687
+2.0% YoY
|
Top 6.2% in tier |
| CD Concentration |
9.8%
+29.2% YoY+0.2% QoQ
|
-14.6% | 24.4% | 22.5% | 19.8% | 50% |
| Indirect Auto % |
0.8%
-46.0% YoY-16.1% QoQ
|
-13.0% | 13.8% | 16.8% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)