Headquartered in Alma, Michigan, Graco Federal Credit Union is a federal credit union with $38.2M in total assets and $34.0M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1962.
Graco Federal Credit Union has a TellerScore of 72 out of 100 (strong) based on Q2 2026 data — higher than only 44% of its 2,479 credit unions with under $100 million in assets. Among 169 credit unions headquartered in Michigan, it ranks 91st. Funding & liquidity contributes the most (100/100, 46% loans-to-deposits, 6% uninsured); capital cushion contributes the least (47/100, 9.70%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (72 → 72).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 73 |
| Q3 2024 | 72 |
| Q4 2024 | 75 |
| Q1 2025 | 71 |
| Q2 2025 | 72 |
| Q3 2025 | 77 |
| Q4 2025 | 70 |
| Q1 2026 | 65 |
| Q2 2026 | 72 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 10.39% |
| Q3 2024 | 10.56% |
| Q4 2024 | 10.46% |
| Q1 2025 | 10.31% |
| Q2 2025 | 10.25% |
| Q3 2025 | 10.30% |
| Q4 2025 | 10.23% |
| Q1 2026 | 9.52% |
| Q2 2026 | 9.70% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.66% |
| Q3 2024 | 0.76% |
| Q4 2024 | 0.54% |
| Q1 2025 | 0.55% |
| Q2 2025 | 0.45% |
| Q3 2025 | 0.16% |
| Q4 2025 | 0.81% |
| Q1 2026 | 0.69% |
| Q2 2026 | 0.58% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.32% |
| Q3 2024 | 1.26% |
| Q4 2024 | 1.22% |
| Q1 2025 | 0.77% |
| Q2 2025 | 0.84% |
| Q3 2025 | 1.07% |
| Q4 2025 | 0.99% |
| Q1 2026 | 0.44% |
| Q2 2026 | 1.11% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 72 | $38.2M | 9.70% | 0.58% | 1.11% | 45.8% |
| Q1 2026 | 65 | $37.6M | 9.52% | 0.69% | 0.44% | 46.6% |
| Q4 2025 | 70 | $34.2M | 10.23% | 0.81% | 0.99% | 52.6% |
| Q3 2025 | 77 | $33.4M | 10.30% | 0.16% | 1.07% | 54.1% |
| Q2 2025 | 72 | $32.2M | 10.25% | 0.45% | 0.84% | 56.5% |
| Q1 2025 | 71 | $31.3M | 10.31% | 0.55% | 0.77% | 58.8% |
| Q4 2024 | 75 | $30.3M | 10.46% | 0.54% | 1.22% | 63.0% |
| Q3 2024 | 72 | $29.4M | 10.56% | 0.76% | 1.26% | 67.8% |
| Q2 2024 | 73 | $29.1M | 10.39% | 0.66% | 1.32% | 69.5% |
2,479 peers · Under $100 million in assets
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Michigan
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Settlers Federal Credit UnionCredit union Bruce Crossing, MI | 92 out of 100, Very strong | $37.8M | 19.7% | 0.79% | vs |
| Detour Drummond Community Credit UnionCredit union Drummond Island, MI | 79 out of 100, Strong | $38.5M | 18.1% | 1.59% | vs |
| Gogebic County Federal Credit UnionCredit union Bessemer, MI | 92 out of 100, Very strong | $38.5M | 17.2% | 0.89% | vs |
| Grand Trunk Battle Creek Emp Federal Credit UnionCredit union Battle Creek, MI | 86 out of 100, Very strong | $39.7M | 20.6% | 0.72% | vs |
| Alpena Community Credit UnionCredit union Alpena, MI | 90 out of 100, Very strong | $35.6M | 14.0% | 0.21% | vs |
| Flagship Community Federal Credit UnionCredit union Port Huron, MI | 76 out of 100, Strong | $34.8M | 11.2% | 0.31% | vs |
Deposit insurance
Is my money safe at Graco Federal Credit Union?
Yes. Graco Federal Credit Union is a federally insured credit union (NCUA charter #15304). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 6.3% of shares and deposits ($2.1M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 9.70%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Graco Federal Credit Union lists 1 office in 1 city. Most locations:
- Alma, MI (1)
Identity & history
Profile
- Legal name
- Graco Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 15304
- RSSD ID
- 133887
- Primary regulator
- NCUA
- Established
- 1962
- Headquarters
- 835 W Warwick Drive, Alma, MI 48801
- Employees
- 9
Quick answers
Graco Federal Credit Union: common questions
Is Graco Federal Credit Union NCUA insured?
Yes. Graco Federal Credit Union is a federally insured credit union (NCUA charter #15304). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Graco Federal Credit Union's TellerScore?
72 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Graco Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Alma
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Montcalm Public Employees Credit UnionCredit union Edmore, MI | 84 out of 100, Strong | $26.9M | 16.9% | 1.19% | vs |
| Health Advantage Federal Credit UnionCredit union Saginaw, MI | 82 out of 100, Strong | $179.3M | 13.4% | 0.33% | vs |
| Sidney State BankBank Sidney, MI | 80 out of 100, Strong | $138.7M | 9.6% | 0.06% | vs |
| Commercial BankBank Ithaca, MI | 75 out of 100, Strong | $552.7M | 10.9% | 0.39% | vs |
| River Valley Credit UnionCredit union Ada, MI | 74 out of 100, Strong | $124.0M | 12.1% | 0.63% | vs |
| Mercantile BankBank Grand Rapids, MI | 73 out of 100, Strong | $6.2B | 11.6% | 0.10% | vs |