Graco
Alma, MI · Charter 15304 · Peer group: credit unions under $1B in assets in MI (n=56)
NCUA · 1 branch
Q2 2026
$38.2MAssets
$15.6MLoans
$34.0MShares
$3.7MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 75% of credit unions under $1B in assets in MI (rank 14 of 56).
- Widest gap: equity / assets trails 87% of credit unions under $1B in assets in MI (rank 49 of 56).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
1.12%
Rank 30 of 56
Net Interest Margin
3.79%
Rank 30 of 56
Efficiency Ratio
75.71%
Rank 38 of 56
Equity / Assets
9.70%
Rank 49 of 56
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.12% | 0.74% | 1.15% | 1.47% | Beats 46% | 30 / 56 | | |
| Return on Equity | 11.51% | 6.40% | 9.29% | 11.51% | Beats 75% | 14 / 56 | | |
| Net Interest Margin | 3.79% | 3.40% | 3.92% | 4.36% | Beats 46% | 30 / 56 | | |
| Efficiency Ratio | 75.71% | 65.99% | 72.16% | 78.25% | Beats 34% | 38 / 56 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.58% | 0.49% | 0.84% | 1.28% | Beats 71% | 17 / 56 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.70% | 10.20% | 12.14% | 14.32% | Beats 13% | 49 / 56 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.70% | 10.20% | 12.14% | 14.32% | Beats 13% | 49 / 56 | | |
| Liquidity & Funding |
| Loans / Deposits | 45.84% | 52.28% | 65.96% | 76.17% | 13th pctl | 49 / 56 | | |
| Loans / Assets | 40.79% | 45.34% | 56.55% | 67.04% | 18th pctl | 46 / 56 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |