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
NCUA 5300 Call Report Masthead
#684 of 4,374 health · 2025Q4GRANITE · health 93/100 · $906.5M · 2025Q4
- RANK 93/100
- PHOTO 9.9%
- BOOK 0.63%
- CHARTER 0.24%
- NCUSIF $906.5M
- CAMELS 39,926
- HEALTH #684/4,374
- NW Sun East
- DELQ 24726
GRANITE in the assets neighbourhood
GRANITE's $906.5M assets sit next to Sun East ($907.2M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
GRANITE vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
93 Top 16% higher than 84% 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
GRANITE - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #24726 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for UT only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for GRANITE
GRANITE: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.2% from $906.5M (2025Q4) to $917.0M (2026Q1).
- Net-worth ratio shifted -0.01 pp (9.92% → 9.91%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 93.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
Two NCUA Call Report peer sets for GRANITE, both outside Utah so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($906.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (93/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Utah credit unions compare overall before assuming this one is typical. Utah state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is GRANITE financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, GRANITE carries a financial health score of 93/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #684 of 4,374; by total assets it ranks #505 of 4,374 nationally (same basis as /rankings/largest); and #10 of 53 within Utah. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 9.91% net worth ratio and a 0.63% delinquency rate.
How does GRANITE compare to other credit unions?
Five weighted metrics from NCUA filings produce GRANITE's 93/100 score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like GRANITE are 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."
What rates does GRANITE offer compared to banks?
Credit unions like GRANITE are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact GRANITE directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.