GRATIOT COMMUNITY
Charter #61986 · Alma, MI · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.69% sits at the 8th percentile of structural peers — worth a closer look.
- Return on average assets of 1.28% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.47% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.16% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 75th percentile but its structural peers at the 43rd — a 33-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 | GRATIOT COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $60.53M | 27th pct | 16th pct |
| Members | 6,681 | 75th pct | 43th pct |
| Net worth ratio | 8.69% | 8th pct | 8th pct |
| Return on average assets | 1.28% | 77th pct | 79th pct |
| Net interest margin | 4.47% | 87th pct | 79th pct |
| Cost of funds | 0.98% | 55th pct | 49th pct |
| Loan-to-share | 72.10% | 72th pct | 62th pct |
| Delinquency 60+ days | 0.16% | 17th pct | 3th pct |
| Net charge-off ratio | 0.54% | 73th pct | 54th pct |
| Loan growth YoY | 5.92% | 93th pct | 90th pct |
| Share growth YoY | 8.08% | 92th pct | 85th pct |
| Efficiency ratio | 72.43% | 30th pct | 26th pct |
structural peer set hash: 0154738f1c78b78303c1bce048f2a469… (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.