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
Call Report peers
Gratiot Community in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Gratiot Community sits in 90-94 with 747 others.
91 Top 23% higher than 77% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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).
- One place up in Michigan, CIRCLE (#46) ties at 91/100; one place down, Service 1 (#48) scores 90/100, 1 point lower.
How Gratiot Community's 5300 filing moved
Gratiot Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.6% from $59.0M (2025Q4) to $60.5M (2026Q1).
- Net-worth ratio shifted +0.10 pp (8.59% → 8.69%).
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
Gratiot Community gives up 9 points in total. Member Growth costs the most, 6.1 of its 15; Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is Gratiot Community financially healthy?
Gratiot Community has a financial health score of 91/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,014 of 4,374 nationally on health and #47 of 171 in Michigan. Its net worth ratio is 8.69% and its delinquency rate 0.37%.
How does Gratiot Community compare to other credit unions?
Gratiot Community scores 91/100, higher than 77% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (71.20% vs 62.60%). Its widest shortfall is net worth ratio (8.69% vs 13.62%).
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?
Gratiot Community 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. Gratiot Community's net worth ratio of 8.69% 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.