State credit union · Alma, Michigan · NCUA charter #61986
Gratiot Community
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $59.0M
- Total assets
- 6,662
- Members
- 8.7%
- Net-worth ratio
Gratiot Community scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $59.0M; members 6,662; net-worth ratio 8.69%; health rank #1,014 of 4,374; healthier than 77th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,014 of 4,374 health · 2025Q4Gratiot Community · health 91/100 · $59.0M · 2025Q4
- RANK 91/100
- PHOTO 8.7%
- BOOK 0.37%
- CHARTER 0.71%
- NCUSIF $59.0M
- CAMELS 6,662
- HEALTH #1,014/4,374
- NW Kemba Louisville
- DELQ 61986
Call Report peers
Gratiot Community in the assets neighbourhood
Gratiot Community's $59.0M assets sit next to Kemba Louisville ($59.0M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Gratiot Community vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
91 Top 23% higher than 77% 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
Gratiot Community - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #61986 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Peer-gap read for Gratiot Community
- Largest favorable gap: Loan-to-Share Ratio at 71.20% vs peer 62.60% (+8.60 pp).
- Largest lag: Net Worth Ratio at 8.69% vs peer 13.62% (-4.93 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Michigan standing for Gratiot Community
- In Michigan, health place is #47 of 171 on the same NCUA-ratio sort used nationally.
- By total assets, Gratiot Community is #132 of 171 in Michigan.
- Membership ranks #115 of 171 among Michigan CUs with a reported count (6,662 members).
In-state ordinals use the live credit_unions table for MI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Gratiot Community's 5300 filing moved
Gratiot Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.6% from $59.0M (2025Q4) to $60.5M (2026Q1).
- Net-worth ratio shifted +0.10 pp (8.59% → 8.69%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
8.69% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 91/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 91.
- Net Worth Ratio 26.7 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 8.9 pts
- Loan-to-Share Ratio 15.4 pts
Gratiot Community health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.69% | -4.93 pp |
| Delinquency Rate | 0.37% | -0.59 pp |
| Return on Assets | 0.71% | +0.05 pp |
| Member Growth | -0.06% | - |
| Loan-to-Share Ratio | 71.20% | +8.60 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Gratiot Community filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $60.5M | - |
| 2025Q4 | $59.0M | 6,662 |
| 2024Q4 | $55.6M | 6,666 |
| 2023Q4 | $54.9M | 6,691 |
Credit Union Details
- Charter Number
- 61986
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Michigan
- City
- Alma
- Data Quarter
- 2025Q4
Branch Locations (4)
The NCUA branch filing lists 4 physical offices for Gratiot Community, spread across 2 cities.
| Office | City |
|---|---|
| Gratiot Community CU (Main Office) | Alma, MI |
| Alma Drive Thur | Alma, MI |
| Operation Building | Alma, MI |
| Gratiot Community CU | Ithaca, MI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Michigan
Other federally-insured credit unions in Michigan, closest first by peer group and asset size.
Other-state peers near Gratiot Community
Two NCUA Call Report peer sets for Gratiot Community, both outside Michigan so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($59.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (91/100 here).
Using this data
- Gratiot Community ranks #1,014 of 4,374 nationally on financial health and #47 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Great Lakes is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Great Lakes
- Rates and health both vary by institution, not just by state -- see how Michigan credit unions compare overall before assuming this one is typical. Michigan state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Gratiot Community financially healthy?
A 8.69% net worth ratio and a 0.37% delinquency rate feed into Gratiot Community's financial health score of 91/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,014 of 4,374; by total assets it ranks #2,274 of 4,374 nationally (same basis as /rankings/largest); and #132 of 171 within Michigan. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Gratiot Community compare to other credit unions?
91/100 is Gratiot Community's score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Gratiot Community?
Membership eligibility for Gratiot Community depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Gratiot Community directly for current membership requirements and application steps.
Is my money safe at Gratiot Community?
Federal credit unions like Gratiot Community are 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. Gratiot Community's net worth ratio of 8.69% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Gratiot Community offer compared to banks?
Credit unions like Gratiot Community are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Gratiot Community directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.