BlastPoint's Credit Union Scorecard
GRANITE STATE
Charter #63272 · NH
GRANITE STATE demonstrates 7 strengths
How does the industry compare?
What's your peer group doing?
How does NH stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 35.2% in tier
- + Organic Growth Leader: Top 35.2% in tier
- + ROA 0.29% above tier average
- + Net Interest Margin 1.16% above tier average
- + Total Assets: Top 0.1% in tier
- + Total Deposits: Top 3.0% in tier
- + Total Members: Top 4.8% in tier
Key Concerns
Areas that may need attention
No key concerns identified
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 165 credit unions with $500M-$750M in assets nationally, and 1 of 3 that size in New Hampshire.
- Shares and deposits +1.8% year over year ($670M in shares and deposits).
- Membership: 53,856 members, +1.4% vs a year ago.
- Delinquency rate 0.49%.
- Return on assets 1.11%.
- Efficiency ratio 75.73% vs a 76.56% peer average.
- Loan-to-share ratio 78.62% vs a 79.33% 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 (NH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
53,856
+1.4% YoY+0.6% QoQ
|
+16.0K |
37,897
-5.0% YoY
|
71,149
+11.0% YoY
|
34,678
+6.6% YoY
|
Top 5.5% in tier |
| Assets |
$749.5M
+2.5% YoY-0.6% QoQ
|
+$127.1M |
$622.4M
+0.6% YoY
|
$1.2B
+16.6% YoY
|
$593.1M
+10.2% YoY
|
Top 0.6% in tier |
| Loans |
$527.0M
+4.5% YoY+1.3% QoQ
|
+$98.5M |
$428.5M
-0.7% YoY
|
$948.3M
+16.3% YoY
|
$418.6M
+10.1% YoY
|
83% |
| Deposits |
$670.3M
+1.8% YoY-1.0% QoQ
|
+$130.5M |
$539.8M
+0.9% YoY
|
$1.0B
+16.6% YoY
|
$504.8M
+10.3% YoY
|
Top 3.6% in tier |
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| ROA |
1.1%
+41.9% YoY-2.8% QoQ
|
+0.3% |
0.8%
+39.5% YoY
|
0.9%
+33.3% YoY
|
1.2%
+121.4% YoY
|
75% |
| NIM |
4.7%
+5.8% YoY+2.0% QoQ
|
+1.2% |
3.5%
+5.0% YoY
|
3.5%
+1.7% YoY
|
3.8%
+2.3% YoY
|
Top 4.8% in tier |
| Efficiency Ratio |
75.7%
-6.5% YoY+0.3% QoQ
|
-0.8% |
76.6%
-3.6% YoY
|
75.7%
-2.9% YoY
|
83.0%
-5.3% YoY
|
40% |
| Delinquency Rate |
0.5%
-47.2% YoY-0.7% QoQ
|
-0.3 |
0.8%
+3.1% YoY
|
0.6%
+13.9% YoY
|
1.3%
+2.6% YoY
|
31% |
| Loan To Share |
78.6%
+2.6% YoY+2.3% QoQ
|
-0.7% |
79.3%
-1.4% YoY
|
73.7%
+0.3% YoY
|
66.4%
-1.4% YoY
|
38% |
| AMR |
$22,230
+1.5% YoY-0.6% QoQ
|
$-5K |
$27,294
+4.1% YoY
|
$26,565
+8.3% YoY
|
$20,028
-0.9% YoY
|
22% |
| CD Concentration |
23.6%
+0.2% YoY+1.4% QoQ
|
-1.0% | 24.6% | 30.9% | 20.0% | 47% |
| Indirect Auto % |
9.9%
-7.2% YoY-2.2% QoQ
|
-3.7% | 13.6% | 17.2% | 7.7% | 54% |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Concerns (0)
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)