GRACO
Charter #15304 · Alma, MI · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- On Members, the asset-size band puts this credit union at the 83rd percentile but its structural peers at the 56th — a 27-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | GRACO | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $37.58M | 77th pct | 59th pct |
| Members | 3,377 | 83th pct | 56th pct |
| Net worth ratio | 9.52% | 14th pct | 33th pct |
| Return on average assets | 0.46% | 39th pct | 28th pct |
| Net interest margin | 3.90% | 52th pct | 48th pct |
| Cost of funds | 0.74% | 45th pct | 46th pct |
| Loan-to-share | 46.64% | 31th pct | 38th pct |
| Delinquency 60+ days | 0.69% | 55th pct | 46th pct |
| Net charge-off ratio | 0.38% | 66th pct | 57th pct |
| Loan growth YoY | -2.04% | 53th pct | 46th pct |
| Share growth YoY | 13.61% | 99th pct | 95th pct |
| Efficiency ratio | 85.39% | 63th pct | 66th pct |
structural peer set hash: 66503ef8d36a42eea8af1d323ca64581… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.