GRAND ALTITUDE
Charter #16009 · Lander, WY · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.33% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.25% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 66.45% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- On Net interest margin, the asset-size band puts this credit union at the 68th percentile but its structural peers at the 52nd — a 16-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 | GRAND ALTITUDE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $217.32M | 56th pct | 46th pct |
| Members | 12,599 | 47th pct | 38th pct |
| Net worth ratio | 13.77% | 77th pct | 72th pct |
| Return on average assets | 1.33% | 84th pct | 90th pct |
| Net interest margin | 3.93% | 68th pct | 52th pct |
| Cost of funds | 1.47% | 65th pct | 59th pct |
| Loan-to-share | 85.03% | 79th pct | 64th pct |
| Delinquency 60+ days | 0.25% | 18th pct | 15th pct |
| Net charge-off ratio | 0.29% | 42th pct | 41th pct |
| Loan growth YoY | 1.44% | 61th pct | 61th pct |
| Share growth YoY | 1.44% | 21th pct | 28th pct |
| Efficiency ratio | 66.45% | 18th pct | 13th pct |
structural peer set hash: 9ebe407cf81426a643bc133dfa0f5616… (reproducible)
Closest structural peers
This is the free public view
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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.