# GRANCO
Ephrata, WA · NCUA charter 10904 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/granco-10904

Who the members are: federal charter, multiple common bond, organized 1956. 5,053 members of 10,300 potential (49.1% of the field); checking penetration 93% (share draft accounts per 100 members); loans per 100 members 47.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $98.3M |
| Members | 5,053 (-0.1% YoY) |
| Full-time staff | 20 |
| Net worth | $11.7M |
| Net worth ratio | 11.9% (p40 of band) |
| ROA (annualized) | 0.53% (p41 of band) |
| Total delinquency | 0.62% (p50 of band) |
| Net charge-offs (annualized) | 0.33% (p59 of band) |
| Loans / shares | 60% (p48 of band) |
| Cash / assets | 15.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.68% (p92 of band) |
| Operating expense / assets | 4.39% (p75 of band) |
| Vehicles % of loans | 34% (p34 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 2% |
| Third-party paper % of net worth | 6% (p61 of band) |
| Vehicle delinquency | 1.04% (p71 of band) |
| Vehicle NCO | 0.29% (p54 of band) |
| Repossessed % of vehicle book | 0.10% (p84 of band) |
| Real estate % of loans | 45% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 90% |
| Certificates % of member funds | 10% |
| Average share balance | $7,471 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $362,858 |
| Loans outstanding per 100 members | 47% |
| Loans granted per 100 members, annualized | 14% |
| Average loan balance | $21,827 |
| Loans granted, annualized | $19.2M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $362,858 outstanding purchased (3.1% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 2.9% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | losing money, delinquency 2x band |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 3 | net worth falling |  |
| 2016-12 | 2 |  | delinquency 2x band |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 | delinquency 2x band | net worth falling |
| 2017-09 | 2 |  |  |
| 2017-12 | 3 | delinquency rising |  |
| 2018-03 | 3 |  |  |
| 2018-06 | 2 |  | delinquency rising |
| 2018-09 | 2 |  |  |
| 2018-12 | 4 | net worth falling, repo signal |  |
| 2019-03 | 2 |  | losing money, repo signal |
| 2019-06 | 1 |  | net worth falling |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 0 |  | delinquency 2x band |
| 2020-06 | 2 | net worth falling, delinquency 2x band |  |
| 2020-09 | 1 |  | delinquency 2x band |
| 2020-12 | 4 | thin capital, margin squeeze, delinquency 2x band |  |
| 2021-03 | 4 |  |  |
| 2021-06 | 3 |  | net worth falling |
| 2021-09 | 2 |  | delinquency 2x band |
| 2021-12 | 3 | net worth falling |  |
| 2022-03 | 2 |  | margin squeeze |
| 2022-06 | 1 |  | net worth falling |
| 2022-09 | 1 |  |  |
| 2022-12 | 3 | delinquency 2x band, delinquency rising |  |
| 2023-03 | 0 |  | thin capital, delinquency 2x band, delinquency rising |
| 2023-06 | 3 | delinquency 2x band, delinquency rising, assets shrinking |  |
| 2023-09 | 2 |  | delinquency 2x band |
| 2023-12 | 2 | delinquency 2x band | delinquency rising |
| 2024-03 | 3 | delinquency rising |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 1 |  | assets shrinking, delinquency rising |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 0 |  | delinquency 2x band |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2021-06-18 [Fundraisers started to support wife and children of the late Alex Harvill following fatal crash - yoursourceone.com](https://news.google.com/rss/articles/CBMimgJBVV95cUxPeU1CWWtCc2lPTXdpTTlEeGNmYzhYZHk1WlBaZGstUGh4VGt2T2ZGOWpnOXJhNTBXSkc1X3RHTEVlaDhzSm5UaUtNWlZYZWFDRzIxSG5MeVd1djBxTnBucVAyTDNSbkxCMXllWjBldGVQOTRianVQNnFJT0hnejRqV2FQVjctbm0xY0dmRV96M2pWVXUxQURlUkdUMTRUWnNYaUVYTERkZlEycDRsS0FLNTI2UUhnWnhCSHYwbDZ1QThwQmpBQUlOQmtWNVVVUEREdkVIWjM5blB1b0tsZDNiTkxUaENGYk1kZEZ1X05kMnpMck1XTU1yTGxlODFqYzdaYkQ5dE9sME9VUlNZanJGREtjZEhZenNKZ0E?oc=5) · yoursourceone.com
- 2018-01-10 [Grant County Firefighters mourn passing of Battalion Chief - NewsRadio 560 KPQ](https://news.google.com/rss/articles/CBMifEFVX3lxTFBTOFVwVEF1TGZEaE9GdHJSRWp4TWV1eVlvQzdfMDZIal85UFhlRVBEV2lzeGhfNEhTYnNnUmF3ZVNieXlKbXVlSmVMdEVHRUtiZ2EwZW1MM190a296aG95Q1U5dnRHWEtrX3l1ZTRDZ285ZVE4cmZENGwwN20?oc=5) · NewsRadio 560 KPQ
- 2013-06-02 [Brandon Ricks Obituary - Grand Coulee, WA - Dignity Memorial](https://news.google.com/rss/articles/CBMihwFBVV95cUxPb3Z2SjNMeV9tOGExc2JUWGFtNk1vQ2lUWmxYUURLTWFTLVp3ZG9TMmd3WlVLR3JRQ192M3pVWlQtbDlIZWJZdUFua0pwWVZ3M1FaRS1VNk9qVTd2ZnV1bFNXd1VVck1EajFlY0tENzkxb2lHbmwtbVlrRlBHemtIQ0FVTUJkYms?oc=5) · Dignity Memorial
- 2013-10-24 [Glenn James Perrins - Columbia Basin Herald](https://news.google.com/rss/articles/CBMie0FVX3lxTE44NE40dlFERjhYODc0anlnRVlVajJxRzNmOTR6c0lUWEZqajVaNXBnY0UzQXAtZjc4c25QTnZmNU9MTFA4dzJMS3o1ZldPcXdZTDRmYUppS3ExeVNCbmtsSlRZZ2JuYUpha1FnRG50Wk5rTUItekh0QUhIVQ?oc=5) · Columbia Basin Herald
- 2025-10-22 [Solarity Credit Union Expands to a New City in WA State - News Talk KIT](https://news.google.com/rss/articles/CBMickFVX3lxTFBERENZVFJDaVlmSXRIT1A4cTFGMFRXQS1fbG9nblZJazFEMXZnZ2x6X2x0UURRVGVObldKLUZJZE9fMG1OdkFGNDRiUnFFSGVuRW9DTHMtMUxWSlU5X3Jad3djSGM2aGQxblhjUGxiaEJLUQ?oc=5) · News Talk KIT

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=10904 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/24.json (key "10904", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=10904
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide