BlastPoint's Credit Union Scorecard
GRANITE
Charter #24726 · UT
GRANITE has 4 strengths but faces 8 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 11.8% in tier
- + Organic Growth Engine: Top 51.7% in tier
- + Strong member growth: 7.1% YoY
- + Member Growth Rate: Top 8.5% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 59.9% in tier
- - Credit Risk Growth: Bottom 62.6% in tier
- - Shrinking Wallet Share: Bottom 65.7% in tier
- - Liquidity Strain: Bottom 66.1% in tier
- - ROA 0.33% below tier average
- - Efficiency ratio 1.57% above tier (higher cost structure)
- - Share Certificate Concentration (%): Bottom 3.4% in tier
- - AMR Growth Rate: Bottom 7.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
39,926
+7.1% YoY+2.2% QoQ
|
-12.2K |
52,084
-1.6% YoY
|
78,581
+8.3% YoY
|
33,374
+5.7% YoY
|
25% |
| Assets |
$906.5M
+7.8% YoY-0.8% QoQ
|
+$42.6M |
$863.9M
+0.5% YoY
|
$1.2B
+12.9% YoY
|
$561.6M
+9.7% YoY
|
68% |
| Loans |
$696.4M
+5.3% YoY+1.0% QoQ
|
+$90.6M |
$605.8M
+1.4% YoY
|
$958.3M
+12.4% YoY
|
$397.0M
+8.8% YoY
|
78% |
| Deposits |
$747.7M
+5.0% YoY-0.4% QoQ
|
+$10.4M |
$737.3M
+0.1% YoY
|
$1.1B
+12.7% YoY
|
$477.3M
+9.7% YoY
|
61% |
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| ROA |
0.4%
+61.1% YoY-2.4% QoQ
|
-0.3% |
0.7%
+39.1% YoY
|
0.8%
+12.1% YoY
|
0.7%
+15.9% YoY
|
27% |
| NIM |
2.5%
+19.5% YoY+2.5% QoQ
|
-0.9% |
3.4%
+8.7% YoY
|
3.4%
+4.7% YoY
|
3.8%
+5.1% YoY
|
Bottom 10.3% in tier |
| Efficiency Ratio |
75.9%
-6.7% YoY+0.2% QoQ
|
+1.6% |
74.3%
-3.6% YoY
|
72.6%
-3.7% YoY
|
79.7%
-3.3% YoY
|
49% |
| Delinquency Rate |
0.6%
+32.1% YoY+72.1% QoQ
|
-0.3 |
0.9%
+3.8% YoY
|
1.0%
+50.5% YoY
|
1.3%
-2.1% YoY
|
39% |
| Loan To Share |
93.1%
+0.3% YoY+1.4% QoQ
|
+10.6% |
82.6%
+1.1% YoY
|
76.7%
-4.3% YoY
|
67.4%
-1.7% YoY
|
78% |
| AMR |
$36,170
-1.8% YoY-1.9% QoQ
|
+$7K |
$28,873
+2.7% YoY
|
$21,704
+5.2% YoY
|
$19,687
+2.0% YoY
|
84% |
| CD Concentration |
46.7%
-1.5% YoY-0.8% QoQ
|
+22.3% | 24.4% | 28.4% | 19.8% | Top 2.8% in tier |
| Indirect Auto % |
14.7%
+11.6% YoY+6.7% QoQ
|
+0.9% | 13.8% | 7.4% | 7.8% | 62% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (4)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)