BlastPoint's Credit Union Scorecard
GRANITE STATE
Charter #63272 · NH
GRANITE STATE has 7 strengths but faces 2 concerns
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 Leader: Top 58.4% in tier
- + Organic Growth Engine: Top 74.4% in tier
- + ROA 0.02% above tier average
- + Net Interest Margin 1.12% above tier average
- + Total Assets: Top 1.2% in tier
- + Total Deposits: Top 1.2% in tier
- + Total Members: Top 6.7% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 76.9% in tier
- - Efficiency ratio 3.59% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
53,244
+2.1% YoY-0.3% QoQ
|
+14.7K |
38,575
-4.8% YoY
|
70,033
+11.3% YoY
|
33,374
+5.7% YoY
|
Top 7.3% in tier |
| Assets |
$743.4M
+5.2% YoY+1.7% QoQ
|
+$121.7M |
$621.7M
+0.1% YoY
|
$1.1B
+17.2% YoY
|
$561.6M
+9.7% YoY
|
Top 1.8% in tier |
| Loans |
$519.8M
+6.2% YoY+0.5% QoQ
|
+$90.0M |
$429.8M
-1.8% YoY
|
$907.6M
+17.0% YoY
|
$397.0M
+8.8% YoY
|
80% |
| Deposits |
$668.0M
+4.7% YoY+1.9% QoQ
|
+$129.2M |
$538.7M
+0.6% YoY
|
$990.9M
+17.6% YoY
|
$477.3M
+9.7% YoY
|
Top 1.8% in tier |
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| ROA |
0.7%
-22.9% YoY-11.8% QoQ
|
+0.0% |
0.7%
+42.9% YoY
|
0.8%
-4.7% YoY
|
0.7%
+15.9% YoY
|
54% |
| NIM |
4.6%
+4.6% YoY+0.5% QoQ
|
+1.1% |
3.4%
+8.0% YoY
|
3.4%
+0.4% YoY
|
3.8%
+5.1% YoY
|
Top 3.6% in tier |
| Efficiency Ratio |
81.1%
+4.9% YoY+0.1% QoQ
|
+3.6% |
77.5%
-4.1% YoY
|
76.4%
-1.4% YoY
|
79.7%
-3.3% YoY
|
66% |
| Delinquency Rate |
0.7%
-19.2% YoY-0.3% QoQ
|
-0.1 |
0.8%
-1.1% YoY
|
0.7%
+50.4% YoY
|
1.3%
-2.1% YoY
|
51% |
| Loan To Share |
77.8%
+1.4% YoY-1.4% QoQ
|
-2.0% |
79.8%
-2.3% YoY
|
74.1%
-1.1% YoY
|
67.4%
-1.7% YoY
|
36% |
| AMR |
$22,309
+3.2% YoY+1.6% QoQ
|
$-5K |
$26,849
+2.7% YoY
|
$26,084
+9.1% YoY
|
$19,687
+2.0% YoY
|
26% |
| CD Concentration |
24.2%
+6.4% YoY+1.3% QoQ
|
-0.2% | 24.4% | 31.6% | 19.8% | 49% |
| Indirect Auto % |
10.5%
-4.4% YoY-1.9% QoQ
|
-3.3% | 13.8% | 17.0% | 7.8% | 54% |
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 (1)
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)