Granite
Salt Lake City, UT · Charter 24726 · Peer group: credit unions under $1B in assets in the Salt Lake City-Murray, UT area (n=23-24)
NCUA · 11 branches
Q2 2026
$918.4MAssets
$701.7MLoans
$766.2MShares
$92.3MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 54% of credit unions under $1B in assets in the Salt Lake City-Murray, UT area (rank 12 of 24).
- Widest gap: net interest margin trails 79% of credit unions under $1B in assets in the Salt Lake City-Murray, UT area (rank 19 of 24).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.50%
Rank 17 of 24
Net Interest Margin
2.81%
Rank 19 of 24
Efficiency Ratio
75.40%
Rank 12 of 24
Equity / Assets
10.05%
Rank 18 of 24
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.50% | 0.41% | 0.67% | 1.12% | Beats 29% | 17 / 24 | |
| Return on Equity | 5.02% | 2.16% | 5.02% | 6.69% | Beats 50% | 12 / 24 | |
| Net Interest Margin | 2.81% | 3.10% | 3.61% | 4.01% | Beats 21% | 19 / 24 | |
| Efficiency Ratio | 75.40% | 71.14% | 80.00% | 84.92% | Beats 54% | 12 / 24 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.54% | 0.07% | 0.54% | 1.38% | Beats 52% | 12 / 23 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.05% | 10.05% | 16.75% | 21.42% | Beats 25% | 18 / 24 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.05% | 10.05% | 16.75% | 21.42% | Beats 25% | 18 / 24 | |
| Liquidity & Funding |
| Loans / Deposits | 91.58% | 42.86% | 62.34% | 82.18% | 87th pctl | 3 / 23 | |
| Loans / Assets | 76.41% | 32.11% | 55.16% | 70.89% | 88th pctl | 3 / 24 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |