GRACO
Federal • Alma, Michigan • Est. 1962
Quick Facts
- Charter Number
- #15304
- Type
- Federal
- Established
- 1962
- Headquarters
- Alma, Michigan 48801
- Address
- 835 W Warwick Drive
- Branches
- 1
- ATMs
- 1
- Members
- 3,364
- Membership Type
- Other/Unknown
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
3,364 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | GRACO |
|---|---|
| Total Assets | $34.2M |
| Members | 3,364 |
| Loans Outstanding | $16.0M |
| Shares & Deposits | $30.5M |
| Net Worth | $3.5M |
| Net Worth Ratio | 10.23% |
| Loan-to-Share Ratio | 52.5% |
| Delinquency Rate | 0.81% |
| Net Income | +$426,092 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
1 location · 1 ATMs
GraCo FCU
Main Office835 W Warwick Dr
Alma, MI 48801-1147
Who Can Join GRACO?
Membership Type: Other/Unknown
Membership eligibility for GRACO may vary. Contact the credit union directly to confirm qualification requirements.
Contact GRACO directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Michigan RankingsFrequently Asked Questions
Yes. GRACO is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, GRACO has 3,364 members and a potential membership field of 50,000 people.
GRACO's net worth ratio is 10.23% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 10.2%, GRACO meets this threshold.
GRACO operates 1 branch location and has access to 1 ATMs. The main office is located at 835 W Warwick Dr, Alma, MI 48801-1147.
GRACO was established in 1962. It is a federal credit union chartered under charter number 15304. The institution has been serving members for 64 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or GRACO. All financial data is for informational purposes only.