GRANITE STATE
Charter #63272 · Manchester, NH · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.15% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.63% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 1.05% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 75.53% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 60th percentile but its structural peers at the 43rd — a 17-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 STATE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $754.02M | 60th pct | 43th pct |
| Members | 53,516 | 79th pct | 64th pct |
| Net worth ratio | 9.55% | 31th pct | 31th pct |
| Return on average assets | 1.15% | 81th pct | 89th pct |
| Net interest margin | 4.63% | 96th pct | 95th pct |
| Cost of funds | 1.05% | 25th pct | 23th pct |
| Loan-to-share | 76.87% | 36th pct | 23th pct |
| Delinquency 60+ days | 0.49% | 40th pct | 41th pct |
| Net charge-off ratio | 0.37% | 45th pct | 56th pct |
| Loan growth YoY | 0.63% | 48th pct | 41th pct |
| Share growth YoY | 3.28% | 39th pct | 43th pct |
| Efficiency ratio | 75.53% | 36th pct | 23th pct |
structural peer set hash: f7ba0c9d2ab9c5d72a03839b500bff00… (reproducible)
Closest structural peers
This is the free public view
Claim GRANITE STATE
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.