BlastPoint's Credit Union Scorecard
GRANITE STATE
Charter #63272 · NH
GRANITE STATE has 4 strengths but faces 1 concern
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 29.8% in tier
- + Organic Growth Leader: Top 29.8% in tier
- + ROA 0.38% above tier average
- + Net Interest Margin 1.14% above tier average
Key Concerns
Areas that may need attention
- - Total Assets: Bottom 2.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
53,516
+2.0% YoY+0.5% QoQ
|
+2.0K |
51,500
+0.7% YoY
|
70,447
+10.9% YoY
|
33,913
+5.7% YoY
|
56% |
| Assets |
$754.0M
+3.4% YoY+1.4% QoQ
|
$-111.6M |
$865.6M
+0.9% YoY
|
$1.2B
+16.1% YoY
|
$578.3M
+9.0% YoY
|
Bottom 1.7% in tier |
| Loans |
$520.3M
+5.7% YoY+0.1% QoQ
|
$-75.0M |
$595.3M
+1.6% YoY
|
$918.0M
+16.0% YoY
|
$402.4M
+8.7% YoY
|
25% |
| Deposits |
$676.8M
+2.8% YoY+1.3% QoQ
|
$-65.3M |
$742.2M
+0.6% YoY
|
$1.0B
+16.2% YoY
|
$494.3M
+9.1% YoY
|
19% |
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| ROA |
1.1%
+52.0% YoY+67.2% QoQ
|
+0.4% |
0.8%
+45.0% YoY
|
0.9%
+113.1% YoY
|
0.4%
-39.2% YoY
|
79% |
| NIM |
4.6%
+5.1% YoY+0.8% QoQ
|
+1.1% |
3.5%
+6.1% YoY
|
3.4%
+5.0% YoY
|
3.8%
+4.1% YoY
|
Top 4.3% in tier |
| Efficiency Ratio |
75.5%
-8.0% YoY-6.9% QoQ
|
+0.0% |
75.5%
-3.4% YoY
|
77.2%
-6.5% YoY
|
84.6%
+2.8% YoY
|
39% |
| Delinquency Rate |
0.5%
-16.4% YoY-32.0% QoQ
|
-0.2 |
0.7%
-0.1% YoY
|
0.7%
+47.7% YoY
|
1.2%
+3.4% YoY
|
42% |
| Loan To Share |
76.9%
+2.8% YoY-1.2% QoQ
|
-3.7% |
80.6%
+0.7% YoY
|
72.7%
+0.2% YoY
|
65.6%
-1.4% YoY
|
30% |
| AMR |
$22,370
+2.0% YoY+0.3% QoQ
|
$-7K |
$28,908
+0.7% YoY
|
$26,400
+8.8% YoY
|
$19,920
+1.6% YoY
|
26% |
| CD Concentration |
23.3%
-1.6% YoY-4.1% QoQ
|
-1.0% | 24.3% | 31.2% | 19.8% | 47% |
| Indirect Auto % |
10.2%
-4.4% YoY-3.3% QoQ
|
-3.6% | 13.8% | 17.0% | 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)