BlastPoint's Credit Union Scorecard
GRANITE
Charter #24726 · UT
GRANITE has 4 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does UT stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 4.6% in tier
- + Organic Growth Engine: Top 4.6% in tier
- + Strong member growth: 8.7% YoY
- + Member Growth Rate: Top 7.2% in tier
Key Concerns
Areas that may need attention
- - Wealth Migration Risk: Bottom 11.4% in tier
- - Liquidity Strain: Bottom 14.0% in tier
- - Credit Quality Pressure: Bottom 45.8% in tier
- - Credit Risk Growth: Bottom 48.2% in tier
- - Flatlined Growth: Bottom 70.5% in tier
- - Shrinking Wallet Share: Bottom 95.6% in tier
- - ROA 0.34% below tier average
- - Efficiency ratio 0.86% above tier (higher cost structure)
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 111 credit unions with $750M-$1B in assets nationally, and 1 of 1 that size in Utah.
- Shares and deposits +3.2% year over year ($766M in shares and deposits).
- Membership: 41,508 members, +8.7% vs a year ago.
- Delinquency rate 0.54%.
- Return on assets 0.51%.
- Efficiency ratio 75.40% vs a 74.54% peer average.
- Loan-to-share ratio 91.58% vs a 82.60% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
41,508
+8.7% YoY+2.2% QoQ
|
-11.0K |
52,482
+1.3% YoY
|
84,939
+12.5% YoY
|
34,678
+6.6% YoY
|
26% |
| Assets |
$918.4M
+1.9% YoY+0.2% QoQ
|
+$54.4M |
$863.9M
+0.5% YoY
|
$1.4B
+17.3% YoY
|
$593.1M
+10.2% YoY
|
72% |
| Loans |
$701.7M
+3.7% YoY+0.7% QoQ
|
+$93.9M |
$607.8M
+2.1% YoY
|
$1.1B
+18.0% YoY
|
$418.6M
+10.1% YoY
|
76% |
| Deposits |
$766.2M
+3.2% YoY+0.4% QoQ
|
+$26.3M |
$739.9M
+0.2% YoY
|
$1.2B
+16.7% YoY
|
$504.8M
+10.3% YoY
|
65% |
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| ROA |
0.5%
+42.2% YoY+16.9% QoQ
|
-0.3% |
0.8%
+30.4% YoY
|
1.0%
+17.0% YoY
|
1.2%
+121.4% YoY
|
29% |
| NIM |
2.8%
+17.8% YoY+4.0% QoQ
|
-0.7% |
3.5%
+6.2% YoY
|
3.4%
+1.5% YoY
|
3.8%
+2.3% YoY
|
Bottom 11.7% in tier |
| Efficiency Ratio |
75.4%
-3.4% YoY-1.9% QoQ
|
+0.9% |
74.5%
-1.4% YoY
|
73.7%
+1.7% YoY
|
83.0%
-5.3% YoY
|
47% |
| Delinquency Rate |
0.5%
+9.2% YoY+31.2% QoQ
|
-0.3 |
0.8%
+1.0% YoY
|
0.8%
+17.2% YoY
|
1.3%
+2.6% YoY
|
37% |
| Loan To Share |
91.6%
+0.4% YoY+0.3% QoQ
|
+9.0% |
82.6%
+1.9% YoY
|
75.6%
-3.6% YoY
|
66.4%
-1.4% YoY
|
73% |
| AMR |
$35,365
-4.9% YoY-1.6% QoQ
|
+$7K |
$28,702
+0.4% YoY
|
$21,736
+3.5% YoY
|
$20,028
-0.9% YoY
|
80% |
| CD Concentration |
47.0%
-0.6% YoY-0.0% QoQ
|
+22.5% | 24.6% | 28.5% | 20.0% | Top 2.6% in tier |
| Indirect Auto % |
15.0%
+5.8% YoY+1.3% QoQ
|
+1.4% | 13.6% | 6.3% | 7.7% | 63% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (6)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Wealth Migration Risk
declineHigh-value members moving money elsewhere despite stable membership. Your best customers are consolidating with competitors.
Flatlined Growth
riskAsset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)