State credit union · Wyoming, Michigan · NCUA charter #68332
Gr Consumers
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $50.6M
- Total assets
- 2,842
- Members
- 16.5%
- Net-worth ratio
Gr Consumers scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $50.6M; members 2,842; net-worth ratio 16.51%; health rank #1,203 of 4,374; healthier than 69th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,203 of 4,374 health · 2025Q4Gr Consumers · health 89/100 · $50.6M · 2025Q4
Call Report peers
Gr Consumers in the assets neighbourhood
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Gr Consumers vs every NCUA-scored credit union
Gr Consumers sits in the busiest band, 85-89, alongside 857 other credit unions.
89 Top 31% higher than 69% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Gr Consumers: Call Report deltas vs peers
- Strongest edge vs 584 $50M–$100M peers is Net Worth Ratio: +2.89 pp (16.51% vs 13.62%).
- Largest lag: Loan-to-Share Ratio at 55.78% vs peer 62.60% (-6.82 pp).
Michigan standing for Gr Consumers
- Health composite ranks #51 of 171 among scored Michigan credit unions.
- By total assets, Gr Consumers is #137 of 171 in Michigan.
- Membership ranks #142 of 171 among Michigan CUs with a reported count (2,842 members).
- One place up in Michigan, CONSUMERS (#50) scores 90/100, 1 point higher; one place down, Marquette Community (#52) ties at 89/100.
Quarter path for Gr Consumers
Gr Consumers: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.8% from $50.6M (2025Q4) to $52.0M (2026Q1).
- Net-worth ratio shifted -0.38 pp (16.89% → 16.51%).
At 16.51%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 89/100 score is built
Gr Consumers gives up 11 points in total. Member Growth costs the most, 6 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 13.4 pts
- Member Growth 9.0 pts
- Loan-to-Share Ratio 11.6 pts
Gr Consumers health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.51% | +2.89 pp |
| Delinquency Rate | 0.44% | -0.53 pp |
| Return on Assets | 0.39% | -0.27 pp |
| Member Growth | 0.00% | - |
| Loan-to-Share Ratio | 55.78% | -6.82 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Call Report history - Gr Consumers
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $52.0M | - |
| 2025Q4 | $50.6M | 2,842 |
| 2024Q4 | $49.7M | 2,842 |
| 2023Q4 | $47.1M | 2,936 |
Credit Union Details
- Charter Number
- 68332
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Michigan
- City
- Wyoming
- Data Quarter
- 2025Q4
Branch Location
Gr Consumers operates a single office in Wyoming, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| GRCCU Main Office (Main Office) | Wyoming, MI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Michigan
A look at other Michigan credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for Gr Consumers
Using this data
- Gr Consumers ranks #1,203 of 4,374 nationally on financial health and #51 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- TRI-CITIES is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with TRI-CITIES
Frequently Asked Questions
Is Gr Consumers financially healthy?
Gr Consumers has a financial health score of 89/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,203 of 4,374 nationally on health and #51 of 171 in Michigan. Its net worth ratio is 16.51% and its delinquency rate 0.44%.
How does Gr Consumers compare to other credit unions?
Gr Consumers scores 89/100, higher than 69% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is net worth ratio (16.51% vs 13.62%). Its widest shortfall is loan-to-share ratio (55.78% vs 62.60%).
How can I join Gr Consumers?
Membership eligibility for Gr Consumers depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Gr Consumers directly for current membership requirements and application steps.
Is my money safe at Gr Consumers?
Gr Consumers is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Gr Consumers's net worth ratio of 16.51% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.