Gratiot Community
Gratiot Community is a credit union based in Alma, Michigan, established in 1955, with $61 million in total assets serving 6,681 members. By Trust Grade it ranks 143rd of 170 credit unions we track in Michigan. Its net worth ratio of 8.7% trails most similarly sized credit unions (8th percentile), versus a Michigan median of 11.7%. It was profitable over the most recent period, with a 1.26% return on assets. No consumer complaints against Gratiot Community appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Gratiot Community compares to Michigan peers
How we graded Gratiot Community
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (8.7% capital ratio)
- Strongly profitable (ROA 1.26%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Gratiot Community over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Gratiot Community insured?
Yes. Gratiot Community is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Gratiot Community: frequently asked questions
Is Gratiot Community a good credit union?
Gratiot Community earns a Bankzia Trust Grade of B (86/100, "Strong"), based on a financial-strength score of 86/100 (it has no CFPB complaints on record). Well-capitalized (8.7% capital ratio); Strongly profitable (ROA 1.26%).
Is Gratiot Community NCUA-insured?
Yes. Gratiot Community is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Gratiot Community?
Gratiot Community holds $61 million in total assets, ranking 143rd of 170 credit unions we track in Michigan. It serves 6,681 members.
Does Gratiot Community have CFPB complaints?
No CFPB complaints against Gratiot Community appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
