BlastPoint's Credit Union Scorecard
GRANITE STATE
Charter #63272 · NH
GRANITE STATE has 6 strengths but faces 3 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 16.2% in tier
- + Organic Growth Engine: Top 21.6% in tier
- + ROA 0.11% above tier average
- + Net Interest Margin 1.11% above tier average
- + Total Deposits: Top 2.4% in tier
- + Total Assets: Top 7.7% in tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 20.3% in tier
- - Efficiency Drag: Bottom 25.8% in tier
- - Efficiency ratio 2.92% above tier (higher cost structure)
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
53,381
+2.5% YoY+0.5% QoQ
|
+13.6K |
39,752
-2.7% YoY
|
69,671
+10.7% YoY
|
33,089
+6.1% YoY
|
Top 11.8% in tier |
| Assets |
$730.7M
+4.6% YoY-0.1% QoQ
|
+$108.4M |
$622.4M
+0.3% YoY
|
$1.1B
+16.1% YoY
|
$547.7M
+7.8% YoY
|
Top 8.3% in tier |
| Loans |
$517.0M
+5.8% YoY+2.5% QoQ
|
+$81.1M |
$435.9M
-0.4% YoY
|
$906.3M
+19.0% YoY
|
$388.7M
+8.6% YoY
|
78% |
| Deposits |
$655.3M
+4.1% YoY-0.5% QoQ
|
+$117.3M |
$538.0M
+1.3% YoY
|
$963.7M
+15.8% YoY
|
$464.6M
+9.3% YoY
|
Top 3.0% in tier |
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| ROA |
0.8%
-27.1% YoY-1.0% QoQ
|
+0.1% |
0.7%
+33.9% YoY
|
0.7%
-9.7% YoY
|
0.7%
+273.4% YoY
|
59% |
| NIM |
4.5%
+5.0% YoY+2.4% QoQ
|
+1.1% |
3.4%
+8.6% YoY
|
3.4%
+0.9% YoY
|
3.7%
+5.0% YoY
|
Top 4.1% in tier |
| Efficiency Ratio |
81.0%
+5.7% YoY+0.0% QoQ
|
+2.9% |
78.1%
-3.4% YoY
|
76.5%
-1.9% YoY
|
79.1%
-3.3% YoY
|
64% |
| Delinquency Rate |
0.7%
-9.4% YoY-21.6% QoQ
|
-0.1 |
0.8%
-4.9% YoY
|
0.6%
+40.9% YoY
|
1.2%
-0.9% YoY
|
54% |
| Loan To Share |
78.9%
+1.6% YoY+3.0% QoQ
|
-2.1% |
81.0%
-1.8% YoY
|
76.0%
+1.5% YoY
|
68.0%
-1.7% YoY
|
37% |
| AMR |
$21,962
+2.3% YoY+0.3% QoQ
|
$-5K |
$26,482
+2.6% YoY
|
$25,778
+8.7% YoY
|
$19,418
+1.3% YoY
|
28% |
| CD Concentration |
23.9%
+5.1% YoY+1.7% QoQ
|
-0.5% |
24.4%
+4.2% YoY
|
31.0%
+18.0% YoY
|
19.6%
+6.2% YoY
|
49% |
| Indirect Auto % |
10.7%
-4.7% YoY+0.0% QoQ
|
-3.3% |
14.0%
-5.7% YoY
|
17.3%
+16.5% YoY
|
7.9%
-2.9% YoY
|
55% |
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 (2)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)