GRANITE STATE

Charter #63272 | NH

500M-750M (169 CUs) Community (281 CUs)
2 500M-750M in NH

GRANITE STATE has 8 strengths but faces 3 concerns

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
  • + Relationship Depth Leader: Top 26.2% in tier
  • + Wallet Share Momentum: Top 29.7% 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
 Top 21.9% in tier
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
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
 59th in tier
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
 64th in tier
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
 54th in tier
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
 37th in tier
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
 28th in tier
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
 49th in tier
Indirect Auto % 10.7%
-4.7% YoY+0.0% QoQ
 -3.3% 14.0%
-5.8% YoY
 17.3%
+16.5% YoY
 7.9%
-2.9% YoY
 55th in tier

Signature Analysis

Strengths (4)

Organic Growth Leader

growth
#215 of 430 • Top 16.2% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 2.49%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 281 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY

Organic Growth Engine

growth
#397 of 603 • Top 21.6% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 2.49%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.77%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 10.71%
(Tier: 13.96%, National: 7.90%)
better than tier avg
603 of 281 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank worsening

Relationship Depth Leader

growth
#722 of 1006 • Top 26.2% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 2.30%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $2.8K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Wallet Share Momentum

growth
#818 of 1006 • Top 29.7% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 2.30%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Concerns (2)

Margin Compression

decline
#86 of 136 • Bottom 20.3% in tier

Strong profitability track record but margins eroding. Something changed - rising costs or falling yields need addressing.

Why This Signature
Return on Assets: 0.77%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
ROA Change (YoY): -0.29% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Total Assets: $730.74M
(Tier: $622.38M, National: $547.69M)
but better than tier avg
136 of 281 Community CUs have this signature | 169 nationally
↓ Shrinking -43 CUs YoY | New qualifier

Efficiency Drag

risk
#455 of 521 • Bottom 25.8% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 81.02%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -0.29% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): 2.49%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
521 of 281 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | New qualifier

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)

Comparing against 169 peers in tier

Top Strengths (5 metrics)

5
Total Deposits
balance_sheet
Value: $655.33M
Peer Avg: $538.02M
#5 of 169 Top 2.4% in 500M-750M tier
7
Net Interest Margin (NIM)
profitability
Value: 4.54%
Peer Avg: 3.43%
#7 of 169 Top 3.6% in 500M-750M tier
14
Total Assets
balance_sheet
Value: $730.74M
Peer Avg: $622.38M
#14 of 169 Top 7.7% in 500M-750M tier
20
Total Members
engagement
Value: 53,381
Peer Avg: 39,752
#20 of 169 Top 11.2% in 500M-750M tier
37
Total Loans
balance_sheet
Value: $517.02M
Peer Avg: $435.95M
#37 of 169 Top 21.3% in 500M-750M tier

Top Weaknesses (0 metrics)

No weakness rankings available