Side-by-side · Q2 2026 data
Gratiot Community 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 | Gratiot Community Credit Union | Montcalm Public Employees Credit Union |
|---|---|---|
| TellerScore | 71 | 84 (stronger) |
| Capital cushion | 41 | 100 (stronger) |
| Loan quality | 89 (stronger) | 60 |
| Earnings | 71 | 72 (stronger) |
| Funding & liquidity | 83 | 100 (stronger) |
| Problem-loan coverage | 95 | 96 (stronger) |
| Peer percentile | 42nd | 75th |
| Total assets | $59.7M | $26.9M |
| Deposits / shares | $53.1M | $22.3M |
| Capital ratio | 9.13% | 16.88% (stronger) |
| Problem loans | 0.32% (stronger) | 1.19% |
| Net charge-offs | 0.37% (stronger) | 0.78% |
| Return on assets | 1.28% | 1.30% (stronger) |
| Loans ÷ deposits | 76.9% | 31.5% (stronger) |
| Uninsured deposits | 2.2% (stronger) | 9.4% |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Montcalm Public Employees Credit Union has the higher TellerScore (84 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Gratiot Community 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.