Alma, Michigan · Peer group 4
Gratiot Community Credit Union
Gratiot Community Credit Union holds $60.5M in assets across 6,681 members as of Q1 2026 — about $9K of assets per member, on a charter dating to 1955. Charter number 61986, in the $50M-$100M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $60.5M |
|---|---|
| Total loans | $39.2M |
| Total shares (deposits) | $54.3M |
| Net worth | $5.3M |
| Members | 6,681 |
| Assets per member | $9K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 7.7% | |
|---|---|---|
| Loans | 4.7% | around the 77th percentile of its peer group |
| Deposits | 6.3% | around the 81st percentile of its peer group |
| Members | 0.5% | around the 73rd percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 72.1% | around the 72nd percentile of its peer group |
|---|---|---|
| Net worth ratio | 8.7% | lower than 92% of its peer group |
| Return on assets | 1.26% | around the 77th percentile of its peer group |
| Delinquency ratio | 0.16% | around the 17th percentile of its peer group |
| Cash / assets | 13.8% | around the 70th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 47th percentile of its peer group |
What this page does not show
Everything above is Gratiot Community Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Michigan — the comparison set a peer ratio is measured against.
- Great Lakes Credit Union
Bay City, MI
$60.1M · 4,437 members
- Lincoln Park Community Credit Union
Lincoln Park, MI
$62.2M · 3,052 members
- Baraga County Credit Union
LANSE, MI
$62.4M · 4,817 members
- One Detroit Credit Union
Detroit, MI
$65.0M · 12,460 members
- A.B.D. Credit Union
WARREN, MI
$66.7M · 6,115 members
- Tahquamenon Area Credit Union
Newberry, MI
$67.6M · 4,595 members
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