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
- 6,662
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Well-capitalized with a healthy net worth ratio and solid financial fundamentals. A reliable institution with good long-term stability.
Financial Overview
Total Assets
Members
6,662 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | GRATIOT COMMUNITY |
|---|---|
| Total Assets | $59.0M |
| Members | 6,662 |
| Loans Outstanding | $37.6M |
| Shares & Deposits | $52.9M |
| Net Worth | $5.1M |
| Net Worth Ratio | 8.59% |
| Loan-to-Share Ratio | 71.2% |
| Delinquency Rate | 0.37% |
| Net Income | +$894,550 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
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.
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View Michigan RankingsFrequently Asked Questions
Yes. GRATIOT COMMUNITY 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, GRATIOT COMMUNITY has 6,662 members and a potential membership field of 700,881 people.
GRATIOT COMMUNITY's net worth ratio is 8.59% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 8.6%, GRATIOT COMMUNITY meets this threshold.
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 (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or GRATIOT COMMUNITY. All financial data is for informational purposes only.