Side-by-side · Q2 2026 data
Graco Federal Credit Union vs Isabella Community Credit Union
Credit union
Isabella Community Credit Union
MT Pleasant, Michigan · $100 million – $1 billion
Metric by metric
| Measure | Graco Federal Credit Union | Isabella Community Credit Union |
|---|---|---|
| TellerScore | 72 (stronger) | 69 |
| Capital cushion | 47 | 51 (stronger) |
| Loan quality | 81 (stronger) | 62 |
| Earnings | 65 | 70 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 95 (stronger) | 88 |
| Peer percentile | 44th | 48th |
| Total assets | $38.2M | $222.2M |
| Deposits / shares | $34.0M | $198.8M |
| Capital ratio | 9.70% | 10.07% (stronger) |
| Problem loans | 0.58% (stronger) | 1.14% |
| Net charge-offs | 0.35% | 0.24% (stronger) |
| Return on assets | 1.11% | 1.26% (stronger) |
| Loans ÷ deposits | 45.8% (stronger) | 58.3% |
| Uninsured deposits | 6.3% | 0.7% (stronger) |
| Offices | 1 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Graco Federal Credit Union has the higher TellerScore (72 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Graco Federal Credit Union leads on 3 and Isabella Community Credit Union on 4. 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.