Federal credit union · Ephrata, Washington · NCUA charter #10904
GRANCO
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $94.8M
- Total assets
- 5,039
- Members
- 11.9%
- Net-worth ratio
GRANCO scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $94.8M; members 5,039; net-worth ratio 11.87%; health rank #1,113 of 4,374; healthier than 73rd of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,113 of 4,374 health · 2025Q4GRANCO · health 90/100 · $94.8M · 2025Q4
Call Report peers
GRANCO in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
GRANCO vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); GRANCO sits in 90-94 with 747 others.
90 Top 27% higher than 73% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
GRANCO: Call Report deltas vs peers
- Strongest edge vs 584 $50M–$100M peers is Loan-to-Share Ratio: +0.56 pp (63.16% vs 62.60%).
- Net Worth Ratio trails the peer set - 11.87% here, 13.62% peer average (-1.75 pp).
GRANCO in Washington
- Health composite ranks #23 of 75 among scored Washington credit unions.
- By total assets, GRANCO is #43 of 75 in Washington.
- Washington membership ordinal: #47 of 75.
- One place up in Washington, Lower Columbia Longshoremen (#22) ties at 90/100; one place down, Whatcom Educational (#24) ties at 90/100.
GRANCO Call Report trajectory
GRANCO: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.7% from $94.8M (2025Q4) to $98.3M (2026Q1).
- Net-worth ratio shifted -0.30 pp (12.17% → 11.87%).
11.87% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 90/100 score is built
GRANCO gives up 10 points in total. Member Growth costs the most, 6.5 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.3 pts
- Return on Assets 15.0 pts
- Member Growth 8.5 pts
- Loan-to-Share Ratio 13.2 pts
Call Report ratios for GRANCO
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.87% | -1.75 pp |
| Delinquency Rate | 0.67% | -0.30 pp |
| Return on Assets | 0.94% | +0.28 pp |
| Member Growth | -0.30% | - |
| Loan-to-Share Ratio | 63.16% | +0.56 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $98.3M | - |
| 2025Q4 | $94.8M | 5,039 |
| 2024Q4 | $92.8M | 5,054 |
| 2023Q4 | $93.1M | 4,967 |
Credit Union Details
- Charter Number
- 10904
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Washington
- City
- Ephrata
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for GRANCO, spread across 2 cities.
| Office | City |
|---|---|
| Main Office (Main Office) | Ephrata, WA |
| Moses Lake Branch | Moses Lake, WA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Washington
More federally-insured credit unions based in Washington, ordered by peer group match and asset size.
Cross-state Call Report peers for GRANCO
Using this data
- GRANCO ranks #1,113 of 4,374 nationally on financial health and #23 of 75 in WA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Lower Columbia Longshoremen is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Lower Columbia Longshoremen
Frequently Asked Questions
Is GRANCO financially healthy?
GRANCO has a financial health score of 90/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,113 of 4,374 nationally on health and #23 of 75 in Washington. Its net worth ratio is 11.87% and its delinquency rate 0.67%.
How does GRANCO compare to other credit unions?
GRANCO scores 90/100, higher than 73% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (63.16% vs 62.60%). Its widest shortfall is net worth ratio (11.87% vs 13.62%).
How can I join GRANCO?
GRANCO operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact GRANCO directly for the exact boundaries and application steps.
Is my money safe at GRANCO?
GRANCO is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. GRANCO's net worth ratio of 11.87% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.