Headquartered in Alma, Michigan, Gratiot Community Credit Union is a federally insured state-chartered credit union with $59.7M in total assets and $53.1M in member shares and deposits as of Q2 2026. It operates 4 offices. Its charter dates back to 1955.
Based on its Q2 2026 filing, Gratiot Community Credit Union scores 71/100, which we describe as strong. That is higher than only 42% of 2,479 credit unions with under $100 million in assets. Among 169 credit unions headquartered in Michigan, it ranks 97th. Its strongest component is problem-loan coverage (95/100; 2.4%), and its lowest is capital cushion (41/100; 9.13%).
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
From Q2 2025 to Q2 2026, the score rose 12 points (59 → 71), mostly because the earnings component improved by 28 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 57 |
| Q3 2024 | 58 |
| Q4 2024 | 63 |
| Q1 2025 | 59 |
| Q2 2025 | 59 |
| Q3 2025 | 70 |
| Q4 2025 | 67 |
| Q1 2026 | 72 |
| Q2 2026 | 71 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 7.81% |
| Q3 2024 | 8.10% |
| Q4 2024 | 8.16% |
| Q1 2025 | 8.03% |
| Q2 2025 | 8.34% |
| Q3 2025 | 8.76% |
| Q4 2025 | 8.59% |
| Q1 2026 | 8.69% |
| Q2 2026 | 9.13% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.45% |
| Q3 2024 | 0.47% |
| Q4 2024 | 0.38% |
| Q1 2025 | 0.14% |
| Q2 2025 | 0.70% |
| Q3 2025 | 0.11% |
| Q4 2025 | 0.37% |
| Q1 2026 | 0.16% |
| Q2 2026 | 0.32% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.31% |
| Q3 2024 | 0.32% |
| Q4 2024 | 0.75% |
| Q1 2025 | -0.13% |
| Q2 2025 | 0.58% |
| Q3 2025 | 0.92% |
| Q4 2025 | 0.99% |
| Q1 2026 | 1.26% |
| Q2 2026 | 1.28% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 71 | $59.7M | 9.13% | 0.32% | 1.28% | 76.9% |
| Q1 2026 | 72 | $60.5M | 8.69% | 0.16% | 1.26% | 72.1% |
| Q4 2025 | 67 | $59.0M | 8.59% | 0.37% | 0.99% | 71.2% |
| Q3 2025 | 70 | $56.2M | 8.76% | 0.11% | 0.92% | 73.6% |
| Q2 2025 | 59 | $56.3M | 8.34% | 0.70% | 0.58% | 72.4% |
| Q1 2025 | 59 | $56.2M | 8.03% | 0.14% | -0.13% | 73.2% |
| Q4 2024 | 63 | $55.6M | 8.16% | 0.38% | 0.75% | 77.5% |
| Q3 2024 | 58 | $53.7M | 8.10% | 0.47% | 0.32% | 82.8% |
| Q2 2024 | 57 | $55.0M | 7.81% | 0.45% | 0.31% | 84.1% |
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 |
|---|---|---|---|---|---|
| One Detroit Credit UnionCredit union Detroit, MI | 59 out of 100, Moderate | $61.8M | 22.4% | 1.98% | vs |
| Baraga County Federal Credit UnionCredit union Lanse, MI | 76 out of 100, Strong | $63.1M | 10.5% | 0.49% | vs |
| Lincoln Park Community Credit UnionCredit union Lincoln Park, MI | 87 out of 100, Very strong | $63.4M | 18.0% | 0.27% | vs |
| A.B.D. Federal Credit UnionCredit union Warren, MI | 68 out of 100, Moderate | $66.5M | 15.1% | 1.36% | vs |
| Gr Consumers Credit UnionCredit union Wyoming, MI | 86 out of 100, Very strong | $52.0M | 16.6% | 0.16% | vs |
| Aeroquip Credit UnionCredit union Jackson, MI | 78 out of 100, Strong | $51.6M | 15.8% | 0.62% | vs |
Deposit insurance
Is my money safe at Gratiot Community Credit Union?
Yes. Gratiot Community Credit Union is a federally insured credit union (NCUA charter #61986). 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 2.2% of shares and deposits ($1.2M) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 9.13%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
4 locations
Branches
Gratiot Community Credit Union lists 4 offices in 2 cities. Most locations:
- Alma, MI (3)
- Ithaca, MI (1)
Identity & history
Profile
- Legal name
- Gratiot Community Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 61986
- RSSD ID
- 882297
- Primary regulator
- State + NCUA
- Established
- 1955
- Headquarters
- 211 W Center St, Alma, MI 48801
- Employees
- 23
Quick answers
Gratiot Community Credit Union: common questions
Is Gratiot Community Credit Union NCUA insured?
Yes. Gratiot Community Credit Union is a federally insured credit union (NCUA charter #61986). 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 Gratiot Community Credit Union's TellerScore?
71 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 Gratiot Community Credit Union have?
4 offices 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 |