GRATIOT COMMUNITY
Alma, MI · State Credit Union · Chartered in MI
Who can join
State government employees (special charter)
Members
6,681
Net Worth Ratio
8.69%
min. 7% = Well Capitalized
Credit unions are exempt from CRA. The Community Reinvestment Act applies only to FDIC-insured banks and thrifts. Credit unions are regulated by NCUA and evaluated under a separate safety and soundness framework.
At a Glance
Total Assets
$60.5M
Peer Group 4
Members
6,681
as of latest quarter
Net Worth Ratio
8.69%
Well Capitalized
Institution Profile
NCUAWebsite
Phone
Address
Chartered
Branch Locations
Membership Eligibility
Financial Snapshot
Total Assets
$60.5M
Total Shares
$54.3M
Total Loans
$39.2M
Net Income
$191K
Net Worth Ratio
8.69%
≥7% = Well Capitalized
Members
6,681
Return on Assets
0.32%
annualized · >0.5% healthy
Delinquency Rate (60d+)
0.00%
$124
Loan-to-share ratio: 72.1%· healthy range 60–80%
Branch Locations
NCUAGratiot Community CU
211 W Center St, Alma, MI, 48801-2206
Mon 9am-5pm Tues 10am-5pm Wed-Fri 9am-5pm
Gratiot Community CU
855 E Center St, Ithaca, MI, 48847-1613
Mon 9am-5pm Tues 10am-5pm Wed-Th 9am-5pm Fri 9am-6pm Sat 9am-12pm
Alma Drive Thur
119 W Center St, Alma, MI, 48801
Mon 9am-5pm Tues 10am-5pm Wed-Th 9am-5pm Fri 9am-6pm Sat 9am-12pm
Operation Building
135 W Center St, Alma, MI, 48801
Mon 9am-5pm Tues 10am-5pm Wed-Fri 9am-5pm
Mortgage Lending (HMDA)
Credit unions that originate mortgages report Home Mortgage Disclosure Act (HMDA) data to the CFPB. This data covers application volumes, approvals, denials, and borrower demographics.
Consumer Complaints
No CFPB complaint data available for this credit union.
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<a href="https://bankscorer.com/credit-union/gratiot-community" target="_blank" rel="noopener">View GRATIOT COMMUNITY on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.