GRANCO
Charter #10904 · Ephrata, WA · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 4.77% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.40% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 98th percentile but its structural peers at the 80th — a 18-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | GRANCO | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $98.35M | 98th pct | 80th pct |
| Members | 5,053 | 51th pct | 54th pct |
| Net worth ratio | 11.87% | 39th pct | 52th pct |
| Return on average assets | 0.54% | 41th pct | 36th pct |
| Net interest margin | 4.77% | 93th pct | 95th pct |
| Cost of funds | 0.40% | 18th pct | 16th pct |
| Loan-to-share | 59.89% | 48th pct | 48th pct |
| Delinquency 60+ days | 0.62% | 50th pct | 57th pct |
| Net charge-off ratio | 0.33% | 59th pct | 74th pct |
| Loan growth YoY | -0.41% | 61th pct | 49th pct |
| Share growth YoY | 4.71% | 71th pct | 72th pct |
| Efficiency ratio | 83.46% | 61th pct | 62th pct |
structural peer set hash: 36c184673eea057dd2d666c57899fa84… (reproducible)
Closest structural peers
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Claim GRANCO
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.