GRANITE
Charter #24726 · Salt Lake City, UT · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 2.72% sits at the 13th percentile of structural peers — worth a closer look.
- Cost of funds of 2.61% sits at the 87th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 87th percentile but its structural peers at the 51st — a 36-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 | GRANITE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $916.97M | 87th pct | 51th pct |
| Members | 40,620 | 47th pct | 26th pct |
| Net worth ratio | 9.91% | 40th pct | 48th pct |
| Return on average assets | 0.43% | 31th pct | 31th pct |
| Net interest margin | 2.72% | 10th pct | 13th pct |
| Cost of funds | 2.61% | 95th pct | 87th pct |
| Loan-to-share | 91.29% | 82th pct | 59th pct |
| Delinquency 60+ days | 0.41% | 32th pct | 31th pct |
| Net charge-off ratio | 0.55% | 62th pct | 70th pct |
| Loan growth YoY | 1.08% | 52th pct | 52th pct |
| Share growth YoY | 1.72% | 19th pct | 20th pct |
| Efficiency ratio | 76.87% | 44th pct | 41th pct |
structural peer set hash: 09bb3a8aac33eedcf478f3eb1190a6f9… (reproducible)
Closest structural peers
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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.