Federal credit union · Salt Lake City, Utah · NCUA charter #24726
GRANITE
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $906.5M
- Total assets
- 39,926
- Members
- 9.9%
- Net-worth ratio
GRANITE scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $906.5M; members 39,926; net-worth ratio 9.91%; health rank #684 of 4,374; healthier than 84th of scored peers.
NCUA Call Report stamp band
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GRANITE vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); GRANITE sits in 90-94 with 747 others.
93 Top 16% higher than 84% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
GRANITE vs Over $500M peers
- Largest favorable gap: Loan-to-Share Ratio at 93.14% vs peer 83.90% (+9.24 pp).
- Net Worth Ratio trails the peer set - 9.91% here, 11.18% peer average (-1.27 pp).
GRANITE in Utah
- Health composite ranks #11 of 53 among scored Utah credit unions.
- Utah assets place: #10 of 53.
- Member book place in Utah: #9 of 53.
- One place up in Utah, Utah First (#10) scores 94/100, 1 point higher; one place down, Deseret First (#12) ties at 93/100.
Quarter path for GRANITE
GRANITE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.2% from $906.5M (2025Q4) to $917.0M (2026Q1).
- Net-worth ratio shifted -0.01 pp (9.92% → 9.91%).
At 9.91%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 93/100 score is built
GRANITE gives up 7 points in total. Return on Assets costs the most, 3.9 of its 15; Member Growth scores full marks.
- Net Worth Ratio 29.8 pts
- Delinquency Rate 23.7 pts
- Return on Assets 11.1 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 13.4 pts
GRANITE health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.91% | -1.27 pp |
| Delinquency Rate | 0.63% | -0.24 pp |
| Return on Assets | 0.24% | -0.27 pp |
| Member Growth | 7.10% | - |
| Loan-to-Share Ratio | 93.14% | +9.24 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
GRANITE filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $917.0M | - |
| 2025Q4 | $906.5M | 39,926 |
| 2024Q4 | $840.9M | 37,278 |
| 2023Q4 | $803.7M | 35,115 |
Credit Union Details
- Charter Number
- 24726
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Utah
- City
- Salt Lake City
- Data Quarter
- 2025Q4
Branch Locations (12)
GRANITE operates 12 offices across 10 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Salt Lake City, UT |
| Clearfield Rancho Market | Clearfield, UT |
| Midvale Branch | Midvale, UT |
| Ogden Rancho Markets Office | Ogden, UT |
| Riverton Branch | Riverton, UT |
| Sugar House | Salt Lake City, UT |
| Rose Park Rancho | Salt Lake City, UT |
| Sandy Branch | Sandy, UT |
| South Jordan Branch | South Jordan, UT |
| Jordan Landing Branch | West Jordan, UT |
| Rancho Plaza | West Valley, UT |
| Taylorsville Branch | West Valley City, UT |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Utah
A look at other Utah credit unions, ranked by how closely their peer group and asset size match this one.
GRANITE nationwide neighbourhoods
Using this data
- GRANITE ranks #684 of 4,374 nationally on financial health and #11 of 53 in UT -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Utah Power is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Utah Power
Frequently Asked Questions
Is GRANITE financially healthy?
GRANITE has a financial health score of 93/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #684 of 4,374 nationally on health and #11 of 53 in Utah. Its net worth ratio is 9.91% and its delinquency rate 0.63%.
How does GRANITE compare to other credit unions?
GRANITE scores 93/100, higher than 84% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (93.14% vs 83.90%). Its widest shortfall is net worth ratio (9.91% vs 11.18%).
How can I join GRANITE?
GRANITE 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 GRANITE directly for the exact boundaries and application steps.
Is my money safe at GRANITE?
GRANITE 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. GRANITE's net worth ratio of 9.91% 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.