Side-by-side · Q2 2026 data
Mercantile Bank vs Gratiot Community Credit Union
Metric by metric
| Measure | Mercantile Bank | Gratiot Community Credit Union |
|---|---|---|
| TellerScore | 73 (stronger) | 71 |
| Capital cushion | 66 (stronger) | 41 |
| Loan quality | 97 (stronger) | 89 |
| Earnings | 84 (stronger) | 71 |
| Funding & liquidity | 18 | 83 (stronger) |
| Problem-loan coverage | 99 (stronger) | 95 |
| Peer percentile | 70th | 42nd |
| Total assets | $6.2B | $59.7M |
| Deposits / shares | $4.9B | $53.1M |
| Capital ratio | 11.61% (stronger) | 9.13% |
| Problem loans | 0.10% (stronger) | 0.32% |
| Net charge-offs | -0.03% (stronger) | 0.37% |
| Return on assets | 1.61% (stronger) | 1.28% |
| Loans ÷ deposits | 95.4% | 76.9% (stronger) |
| Uninsured deposits | 57.5% | 2.2% (stronger) |
| Offices | 33 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 15.2% | — |
Mercantile Bank has the higher TellerScore (73 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Mercantile Bank leads on 5 and Gratiot Community Credit Union on 2. 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