GRATIOT COMMUNITY
State-Chartered • Alma, Michigan • Est. 1955
Quick Facts
- Charter Number
- #61986
- Type
- State-Chartered
- Established
- 1955
- Headquarters
- Alma, Michigan 48801-2206
- Address
- 211 W Center St
- Branches
- 4
- ATMs
- 2
- Members
- 6,681
- Membership Type
- Community
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
Under CUScore's rules, this institution reports a net worth ratio of at least 8% and a delinquency rate below 1.5%. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
6,681 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | GRATIOT COMMUNITY |
|---|---|
| Total Assets | $60.5M |
| Members | 6,681 |
| Loans Outstanding | $39.2M |
| Shares & Deposits | $54.3M |
| Net Worth | $5.3M |
| Net Worth Ratio | 8.69% |
| Loan-to-Share Ratio | 72.1% |
| Delinquency Rate | 0.16% |
| Net Income | +$190,818 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
Branch Locations
4 locations · 2 ATMs
Gratiot Community CU
Main Office211 W Center St
Alma, MI 48801-2206
Gratiot Community CU
855 E Center St
Ithaca, MI 48847-1613
Alma Drive Thur
119 W Center St
Alma, MI 48801
Operation Building
135 W Center St
Alma, MI 48801
Who Can Join GRATIOT COMMUNITY?
Membership Type: Community
Membership eligibility for GRATIOT COMMUNITY may vary. Contact the credit union directly to confirm qualification requirements.
Contact GRATIOT COMMUNITY directly or visit their website for the most accurate and up-to-date membership eligibility information.
Find More Credit Unions in Michigan
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View Michigan RankingsFrequently Asked Questions
GRATIOT COMMUNITY is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, GRATIOT COMMUNITY has 6,681 members and a potential membership field of 700,881 people.
GRATIOT COMMUNITY's reported net worth ratio is 8.69% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
GRATIOT COMMUNITY operates 4 branch locations and has access to 2 ATMs. The main office is located at 211 W Center St, Alma, MI 48801-2206.
GRATIOT COMMUNITY was established in 1955. It is a state-chartered credit union chartered under charter number 61986. The institution has been serving members for 71 years.
Data sourced from the NCUA Quarterly Call Report (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or GRATIOT COMMUNITY. All financial data is for informational purposes only.