Headquartered in Ephrata, Washington, Granco Federal Credit Union is a federal credit union with $99.0M in total assets and $87.4M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1956.
Based on its Q2 2026 filing, Granco Federal Credit Union scores 59/100, which we describe as moderate. That is higher than only 20% of 2,479 credit unions with under $100 million in assets. Among 73 credit unions headquartered in Washington, it ranks 59th. Its strongest component is funding & liquidity (99/100; 61% loans-to-deposits, 4% uninsured), and its lowest is loan quality (24/100; 2.28%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 11 points (70 → 59), mostly because the loan quality component weakened by 29 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 56 |
| Q3 2024 | 66 |
| Q4 2024 | 58 |
| Q1 2025 | 66 |
| Q2 2025 | 70 |
| Q3 2025 | 80 |
| Q4 2025 | 79 |
| Q1 2026 | 73 |
| Q2 2026 | 59 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 10.73% |
| Q3 2024 | 10.95% |
| Q4 2024 | 11.20% |
| Q1 2025 | 11.21% |
| Q2 2025 | 11.81% |
| Q3 2025 | 12.08% |
| Q4 2025 | 12.17% |
| Q1 2026 | 11.87% |
| Q2 2026 | 11.95% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 2.29% |
| Q3 2024 | 1.42% |
| Q4 2024 | 2.27% |
| Q1 2025 | 1.40% |
| Q2 2025 | 1.42% |
| Q3 2025 | 0.62% |
| Q4 2025 | 0.67% |
| Q1 2026 | 0.62% |
| Q2 2026 | 2.28% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.91% |
| Q3 2024 | 0.95% |
| Q4 2024 | 0.96% |
| Q1 2025 | 0.87% |
| Q2 2025 | 1.14% |
| Q3 2025 | 1.36% |
| Q4 2025 | 1.24% |
| Q1 2026 | 0.53% |
| Q2 2026 | 0.59% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 59 | $99.0M | 11.95% | 2.28% | 0.59% | 60.8% |
| Q1 2026 | 73 | $98.3M | 11.87% | 0.62% | 0.53% | 59.9% |
| Q4 2025 | 79 | $94.8M | 12.17% | 0.67% | 1.24% | 63.2% |
| Q3 2025 | 80 | $93.9M | 12.08% | 0.62% | 1.36% | 63.0% |
| Q2 2025 | 70 | $92.5M | 11.81% | 1.42% | 1.14% | 64.1% |
| Q1 2025 | 66 | $94.6M | 11.21% | 1.40% | 0.87% | 61.8% |
| Q4 2024 | 58 | $92.8M | 11.20% | 2.27% | 0.96% | 64.9% |
| Q3 2024 | 66 | $93.0M | 10.95% | 1.42% | 0.95% | 65.0% |
| Q2 2024 | 56 | $93.0M | 10.73% | 2.29% | 0.91% | 64.8% |
2,479 peers · Under $100 million in assets
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Washington
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Sno Falls Credit UnionCredit union North Bend, WA | 52 out of 100, Below average | $99.0M | 8.2% | 0.86% | vs |
| Lower Columbia Longshoremen Federal Credit UnionCredit union Longview, WA | 68 out of 100, Moderate | $95.8M | 12.3% | 1.32% | vs |
| Waterfront Federal Credit UnionCredit union Seattle, WA | 73 out of 100, Strong | $93.2M | 13.5% | 0.94% | vs |
| Progressions Credit UnionCredit union Spokane, WA | 69 out of 100, Moderate | $93.1M | 10.4% | 0.20% | vs |
| Snocope Credit UnionCredit union Everett, WA | 62 out of 100, Moderate | $88.7M | 9.6% | 0.93% | vs |
| Spokane Firefighters Credit UnionCredit union Spokane, WA | 87 out of 100, Very strong | $86.4M | 14.5% | 0.15% | vs |
Deposit insurance
Is my money safe at Granco Federal Credit Union?
Yes. Granco Federal Credit Union is a federally insured credit union (NCUA charter #10904). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 4.3% of shares and deposits ($3.8M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 11.95%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
2 locations
Branches
Granco Federal Credit Union lists 2 offices in 2 cities. Most locations:
- Ephrata, WA (1)
- Moses Lake, WA (1)
Identity & history
Profile
- Legal name
- Granco Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 10904
- RSSD ID
- 808886
- Primary regulator
- NCUA
- Established
- 1956
- Headquarters
- PO Box 127, Ephrata, WA 98823
- Employees
- 20
Quick answers
Granco Federal Credit Union: common questions
Is Granco Federal Credit Union NCUA insured?
Yes. Granco Federal Credit Union is a federally insured credit union (NCUA charter #10904). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Granco Federal Credit Union's TellerScore?
59 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Granco Federal Credit Union have?
2 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Ephrata
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Horizon Credit UnionCredit union Spokane Valley, WA | 75 out of 100, Strong | $2.0B | 13.1% | 0.27% | vs |
| Banner BankBank Walla Walla, WA | 72 out of 100, Strong | $16.6B | 11.2% | 0.46% | vs |
| Glacier BankBank Kalispell, MT | 68 out of 100, Moderate | $31.6B | 10.1% | 0.42% | vs |
| Columbia BankBank Roseburg, OR | 64 out of 100, Moderate | $65.4B | 9.7% | 0.57% | vs |
| KeyBank National AssociationBank Cleveland, OH | 63 out of 100, Moderate | $188.6B | 9.9% | 0.86% | vs |
| First Interstate BankBank Billings, MT | 62 out of 100, Moderate | $25.8B | 9.4% | 1.12% | vs |