Side-by-side · Q2 2026 data
Gratiot Community Credit Union vs River Valley Credit Union
Metric by metric
| Measure | Gratiot Community Credit Union | River Valley Credit Union |
|---|---|---|
| TellerScore | 71 | 74 (stronger) |
| Capital cushion | 41 | 71 (stronger) |
| Loan quality | 89 (stronger) | 79 |
| Earnings | 71 (stronger) | 48 |
| Funding & liquidity | 83 | 92 (stronger) |
| Problem-loan coverage | 95 (stronger) | 94 |
| Peer percentile | 42nd | 63rd |
| Total assets | $59.7M | $124.0M |
| Deposits / shares | $53.1M | $107.5M |
| Capital ratio | 9.13% | 12.13% (stronger) |
| Problem loans | 0.32% (stronger) | 0.63% |
| Net charge-offs | 0.37% | 0.03% (stronger) |
| Return on assets | 1.28% (stronger) | 0.71% |
| Loans ÷ deposits | 76.9% | 68.6% (stronger) |
| Uninsured deposits | 2.2% | 2.1% (stronger) |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
River Valley Credit Union has the higher TellerScore (74 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Gratiot Community Credit Union leads on 2 and River Valley Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.