Gratiot Community
Alma, MI · Charter 61986 · Peer group: credit unions under $1B in assets in MI (n=56)
NCUA · 4 branches
Q2 2026
$59.7MAssets
$40.8MLoans
$53.1MShares
$5.5MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 89% of credit unions under $1B in assets in MI (rank 6 of 56).
- Widest gap: equity / assets trails 95% of credit unions under $1B in assets in MI (rank 53 of 56).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
1.28%
Rank 22 of 56
Net Interest Margin
4.55%
Rank 10 of 56
Efficiency Ratio
73.73%
Rank 33 of 56
Equity / Assets
9.13%
Rank 53 of 56
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.28% | 0.74% | 1.15% | 1.47% | Beats 61% | 22 / 56 | |
| Return on Equity | 14.05% | 6.40% | 9.29% | 11.51% | Beats 89% | 6 / 56 | |
| Net Interest Margin | 4.55% | 3.40% | 3.92% | 4.36% | Beats 82% | 10 / 56 | |
| Efficiency Ratio | 73.73% | 65.99% | 72.16% | 78.25% | Beats 43% | 33 / 56 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.32% | 0.49% | 0.84% | 1.28% | Beats 82% | 11 / 56 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.13% | 10.20% | 12.14% | 14.32% | Beats 5% | 53 / 56 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.13% | 10.20% | 12.14% | 14.32% | Beats 5% | 53 / 56 | |
| Liquidity & Funding |
| Loans / Deposits | 76.93% | 52.28% | 65.96% | 76.17% | 77th pctl | 13 / 56 | |
| Loans / Assets | 68.37% | 45.34% | 56.55% | 67.04% | 80th pctl | 11 / 56 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |