Side-by-side · Q2 2026 data
Baraga County Federal Credit Union vs Gratiot Community Credit Union
Metric by metric
| Measure | Baraga County Federal Credit Union | Gratiot Community Credit Union |
|---|---|---|
| TellerScore | 76 (stronger) | 71 |
| Capital cushion | 55 (stronger) | 41 |
| Loan quality | 84 | 89 (stronger) |
| Earnings | 69 | 71 (stronger) |
| Funding & liquidity | 100 (stronger) | 83 |
| Problem-loan coverage | 97 (stronger) | 95 |
| Peer percentile | 54th | 42nd |
| Total assets | $63.1M | $59.7M |
| Deposits / shares | $57.3M | $53.1M |
| Capital ratio | 10.48% (stronger) | 9.13% |
| Problem loans | 0.49% | 0.32% (stronger) |
| Net charge-offs | 0.24% (stronger) | 0.37% |
| Return on assets | 1.22% | 1.28% (stronger) |
| Loans ÷ deposits | 35.5% (stronger) | 76.9% |
| Uninsured deposits | 3.8% | 2.2% (stronger) |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Baraga County Federal Credit Union has the higher TellerScore (76 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Baraga County Federal Credit Union leads on 4 and Gratiot Community Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.