BlastPoint's Credit Union Scorecard

GRANITE

Charter #24726 · UT

Community 750M-1B

112 CUs in 750M-1B nationally 1 in UT

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GRANITE has 6 strengths but faces 6 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

UT Analysis

How does UT stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 3.2% in tier
+ Organic Growth Engine: Top 16.1% in tier
+ Credit Quality Leader: Top 92.0% in tier
+ Strong member growth: 7.7% YoY
+ Member Growth Rate: Top 5.4% in tier
+ Loan-to-Member Ratio (LMR): Top 9.8% in tier

Key Concerns

Areas that may need attention

- Shrinking Wallet Share: Bottom 18.3% in tier
- Liquidity Strain: Bottom 23.9% in tier
- ROA 0.28% below tier average
- Efficiency ratio 1.27% above tier (higher cost structure)
- Share Certificate Concentration (%): Bottom 3.6% in tier
- Net Interest Margin (NIM): Bottom 8.0% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Members	39,050 +7.7% YoY+2.3% QoQ	-13.1K	52,114 -2.1% YoY	76,315 +6.4% YoY	33,089 +6.1% YoY	21%
Assets	$913.6M +6.3% YoY+1.4% QoQ	+$54.6M	$859.0M +0.0% YoY	$1.2B +10.2% YoY	$547.7M +7.8% YoY	76%
Loans	$689.4M +6.0% YoY+1.9% QoQ	+$86.0M	$603.4M +1.0% YoY	$924.9M +10.2% YoY	$388.7M +8.6% YoY	78%
Deposits	$750.4M +6.2% YoY+1.1% QoQ	+$16.2M	$734.2M +0.9% YoY	$1.1B +10.6% YoY	$464.6M +9.3% YoY	62%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.4% +48.5% YoY+19.9% QoQ	-0.3%	0.7% +27.6% YoY	0.9% +11.6% YoY	0.7% +273.4% YoY	29%
NIM	2.5% +19.0% YoY+3.3% QoQ	-0.9%	3.4% +9.6% YoY	3.4% +7.0% YoY	3.7% +5.0% YoY	Bottom 7.1% in tier
Efficiency Ratio	75.8% -6.0% YoY-2.9% QoQ	+1.3%	74.5% -3.2% YoY	71.6% -3.7% YoY	79.1% -3.3% YoY	46%
Delinquency Rate	0.4% -13.7% YoY-26.6% QoQ	-0.5	0.8% +5.0% YoY	0.7% +11.8% YoY	1.2% -0.9% YoY	17%
Loan To Share	91.9% -0.1% YoY+0.8% QoQ	+9.2%	82.7% +0.1% YoY	78.2% -2.6% YoY	68.0% -1.7% YoY	70%
AMR	$36,869 -1.5% YoY-0.8% QoQ	+$8K	$28,651 +2.5% YoY	$21,167 +3.5% YoY	$19,418 +1.3% YoY	85%
CD Concentration	47.1% +1.0% YoY-0.5% QoQ	+22.7%	24.4% +4.2% YoY	27.9% +4.6% YoY	19.6% +6.2% YoY	Top 2.7% in tier
Indirect Auto %	13.8% +11.8% YoY-2.7% QoQ	-0.2%	14.0% -5.7% YoY	7.4% -10.5% YoY	7.9% -2.9% YoY	60%

Signature Analysis

Strengths (3)

Organic Growth Leader

growth

#43 of 430 • Top 3.2% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 7.72%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 13.79%

(Tier: 13.97%, National: 7.90%)

better than tier avg

608 nationally

↓ Shrinking -21 CUs YoY | Rank improving

Organic Growth Engine

growth

#295 of 603 • Top 16.1% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 7.72%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 0.43%

(Tier: 0.77%, National: 0.71%)

but worse than tier avg

Indirect Auto %: 13.79%

(Tier: 13.97%, National: 7.90%)

better than tier avg

917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Credit Quality Leader

growth

#313 of 340 • Top 92.0% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.37%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): -0.06% points

(Tier: 0.04% points, National: 0.07% points)

better than tier avg

457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | New qualifier

Concerns (2)

Shrinking Wallet Share

decline

#183 of 244 • Bottom 18.3% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -1.49%

(Tier: 3.68%, National: 4.19%)

worse than tier avg

244 of 281 Community CUs have this signature | 346 nationally

↓ Shrinking -221 CUs YoY | Rank improving

Liquidity Strain

risk

#186 of 258 • Bottom 23.9% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 91.88%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 6.03%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

258 of 281 Community CUs have this signature | 484 nationally

↓ Shrinking -28 CUs YoY | Rank improving

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)

Compare against:

Comparing against 112 peers in tier

Top Strengths (6 metrics)

Member Growth Rate

growth

Value: 7.72%

Peer Avg: -

#7 of 112 Top 5.4% in 750M-1B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $17,654

Peer Avg: -

#12 of 112 Top 9.8% in 750M-1B tier

Average Member Relationship (AMR)

engagement

Value: $36,869

Peer Avg: -

#17 of 112 Top 14.3% in 750M-1B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.37%

Peer Avg: -

#20 of 112 Top 17.0% in 750M-1B tier

Total Loans

balance_sheet

Value: $689.39M

Peer Avg: -

#25 of 112 Top 21.4% in 750M-1B tier

Total Assets

balance_sheet

Value: $913.63M

Peer Avg: -

#27 of 112 Top 23.2% in 750M-1B tier

Top Weaknesses (5 metrics)

109

Share Certificate Concentration (%)

balance_sheet

Value: 47.06%

Peer Avg: -

#109 of 112 Bottom 3.6% in 750M-1B tier

104

Net Interest Margin (NIM)

profitability

Value: 2.47%

Peer Avg: -

#104 of 112 Bottom 8.0% in 750M-1B tier

AMR Growth Rate

growth

Value: -1.49%

Peer Avg: -

#99 of 112 Bottom 12.5% in 750M-1B tier

Total Members

engagement

Value: 39,050

Peer Avg: -

#88 of 112 Bottom 22.3% in 750M-1B tier

Members Per Employee (MPE)

engagement

Value: 278.929

Peer Avg: -

#86 of 112 Bottom 24.1% in 750M-1B tier