Side-by-side · Q2 2026 data
Graco Federal Credit Union vs Montcalm Public Employees Credit Union
Credit union
Montcalm Public Employees Credit Union
Edmore, Michigan · Under $100 million in assets
Metric by metric
| Measure | Graco Federal Credit Union | Montcalm Public Employees Credit Union |
|---|---|---|
| TellerScore | 72 | 84 (stronger) |
| Capital cushion | 47 | 100 (stronger) |
| Loan quality | 81 (stronger) | 60 |
| Earnings | 65 | 72 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 95 | 96 (stronger) |
| Peer percentile | 44th | 75th |
| Total assets | $38.2M | $26.9M |
| Deposits / shares | $34.0M | $22.3M |
| Capital ratio | 9.70% | 16.88% (stronger) |
| Problem loans | 0.58% (stronger) | 1.19% |
| Net charge-offs | 0.35% (stronger) | 0.78% |
| Return on assets | 1.11% | 1.30% (stronger) |
| Loans ÷ deposits | 45.8% | 31.5% (stronger) |
| Uninsured deposits | 6.3% (stronger) | 9.4% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Montcalm Public Employees Credit Union has the higher TellerScore (84 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Graco Federal Credit Union leads on 3 and Montcalm Public Employees Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.