Side-by-side · Q2 2026 data
Commercial Bank vs Gratiot Community Credit Union
Metric by metric
| Measure | Commercial Bank | Gratiot Community Credit Union |
|---|---|---|
| TellerScore | 75 (stronger) | 71 |
| Capital cushion | 59 (stronger) | 41 |
| Loan quality | 87 | 89 (stronger) |
| Earnings | 71 | 71 |
| Funding & liquidity | 76 | 83 (stronger) |
| Problem-loan coverage | 95 | 95 |
| Peer percentile | 61st | 42nd |
| Total assets | $552.7M | $59.7M |
| Deposits / shares | $475.2M | $53.1M |
| Capital ratio | 10.89% (stronger) | 9.13% |
| Problem loans | 0.39% | 0.32% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.37% |
| Return on assets | 1.28% | 1.28% (stronger) |
| Loans ÷ deposits | 76.5% (stronger) | 76.9% |
| Uninsured deposits | 22.0% | 2.2% (stronger) |
| Offices | 10 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 43.2% | — |
Commercial Bank has the higher TellerScore (75 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Commercial Bank leads on 4 and Gratiot Community Credit Union on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Alma, MI
- Ithaca, MI