Preheat oven to 350 degrees F. Combine flour, sugar, salt, baking soda and baking powder.  Whisk well.  Add granola, coconut and chocolate chips, stir to incorporate.  Combine mashed banana, oil, eggs, buttermilk and vanilla.  Add to dry ingredients, stir to combine.  Do not overmix.  Scoop into lined muffin tins, top with 1/2 tsp sugar or 1 tsp coconut and bake for 25 minutes in a 350 degree preheated oven until golden and slightly firm topped.  Serve warm, store in an airtight container for up to 3 days.

Optional Streusel: Mix 1/4 C butter, 1/4 C sugar and 1/2 C flour, sprinkle 2 tsp of this mixture on each unbaked muffin.  *If you like streusel tops, this is pretty standard.  Feel free to mix a little coconut in here or even 1/4 C oats.