credit union · NCUA 15304 · MI
How big is GRACO?
GRACO (MI, NCUA charter 15304) reported total assets of $38.2M, 3,364 members and a net worth ratio of 9.70% in its Call Report for 2026Q2. That ranks 2641 of 4,299 federally insured credit unions by assets, 248 of 1,135 among credit unions with $10m-$50m in assets, 145 of 169 credit unions in michigan.
What stands out
GRACO (MI, NCUA charter 15304) reported total assets of $38.2M, 3,364 members and a net worth ratio of 9.70% in its Call Report for 2026Q2. That ranks 2641 of 4,299 federally insured credit unions by assets, 248 of 1,135 among credit unions with $10m-$50m in assets, 145 of 169 credit unions in michigan. Against its size class: net worth ratio 9.70%, below the peer median of 13.88%; loan-to-share ratio 45.84%, below the peer median of 57.77%; return on assets 1.11%, above the peer median of 0.70%. At 9.70% its net worth ratio is above the 7% NCUA threshold, which puts it in the "well capitalised" band of prompt corrective action; the regulator applies further tests, this page does not.
Key figures, 2026Q2
As filed with the NCUA; ratios computed by FACTANKER. Peer medians are percentile_cont over the group in the same quarter.
| Measure | 2026Q2 | Median, size class | Median, state | Median, all | Evidence |
|---|---|---|---|---|---|
| Total assets | $38.2M | $25.2M | $186.5M | $68.3M | record → |
| Shares and deposits | $34.0M | $21.4M | $160.8M | $58.3M | record → |
| Loans outstanding | $15.6M | $11.2M | $115.9M | $34.4M | record → |
| Net income (year to date) | $212.5k | $82.1k | $792.8k | $222.2k | record → |
| Net worth | $3.7M | $3.4M | $22.8M | $9.0M | record → |
| Net worth ratio | 9.70% | 13.88% | 12.03% | 12.65% | record → |
| Loan-to-share ratio | 45.84% | 57.77% | 68.71% | 68.70% | computed |
| Return on assets | 1.11% | 0.70% | 0.92% | 0.71% | computed |
| Members | 3,364 | 2,092 | 13,435 | 4,818 | record → |
Quarter by quarter
45 Call Reports on record, 2015Q2–2026Q2; the 40 most recent shown.
| Quarter | Total assets | Shares | Loans | Net income YTD | Net worth ratio | Members | Rank |
|---|---|---|---|---|---|---|---|
| 2026Q2 | $38.2M | $34.0M | $15.6M | $212.5k | 9.70% | 3,364 | 2641 |
| 2026Q1 | $37.6M | $33.7M | $15.7M | $41.5k | 9.52% | 3,377 | 2665 |
| 2025Q4 | $34.2M | $30.5M | $16.0M | $340.1k | 10.23% | 3,364 | 2742 |
| 2025Q3 | $33.4M | $29.7M | $16.0M | $267.6k | 10.30% | 3,401 | 2770 |
| 2025Q2 | $32.2M | $28.7M | $16.2M | $134.4k | 10.25% | 3,429 | 2820 |
| 2025Q1 | $31.3M | $27.9M | $16.4M | $60.5k | 10.31% | 3,435 | 2862 |
| 2024Q4 | $30.3M | $26.9M | $17.0M | $368.6k | 10.46% | 3,435 | 2887 |
| 2024Q3 | $29.4M | $26.1M | $17.7M | $277.2k | 10.56% | 3,434 | 2929 |
| 2024Q2 | $29.1M | $25.9M | $18.0M | $191.6k | 10.39% | 3,431 | 2955 |
| 2024Q1 | $29.8M | $26.8M | $18.1M | $88.7k | 9.79% | 3,395 | 2953 |
| 2023Q4 | $29.7M | $26.6M | $18.6M | $359.9k | 9.52% | 3,383 | 2957 |
| 2023Q3 | $29.1M | $26.2M | $18.4M | $186.8k | 9.13% | 3,320 | 2997 |
| 2023Q2 | $30.3M | $27.4M | $18.3M | $121.1k | 8.56% | 3,260 | 2986 |
| 2023Q1 | $31.4M | $28.7M | $17.2M | $87.4k | 8.15% | 3,212 | 2968 |
| 2022Q4 | $31.4M | $28.8M | $16.0M | $259.9k | 7.85% | 3,171 | 2983 |
| 2022Q3 | $31.3M | $28.8M | $15.2M | $220.0k | 7.74% | 3,183 | 3005 |
| 2022Q2 | $31.9M | $29.5M | $13.9M | $385.4k | 7.42% | 3,143 | 2990 |
| 2022Q1 | $32.7M | $30.2M | $13.1M | $95.1k | 7.07% | 3,126 | 2978 |
| 2021Q4 | $31.5M | $29.2M | $12.9M | $160.1k | 7.02% | 3,201 | 3011 |
| 2021Q3 | $29.8M | $27.6M | $12.5M | $120.8k | 7.27% | 3,199 | 3074 |
| 2021Q2 | $28.1M | $25.9M | $11.4M | $78.6k | 7.55% | 3,158 | 3128 |
| 2021Q1 | $28.5M | $26.3M | $11.1M | $40.2k | 7.33% | 3,116 | 3119 |
| 2020Q4 | $25.4M | $23.3M | $11.0M | $199.5k | 8.05% | 3,122 | 3188 |
| 2020Q3 | $24.2M | $22.1M | $11.0M | $143.8k | 8.23% | 3,130 | 3224 |
| 2020Q2 | $23.4M | $21.4M | $10.7M | $72.2k | 8.19% | 3,127 | 3247 |
| 2020Q1 | $20.3M | $18.4M | $10.2M | $16.5k | 9.18% | 3,113 | 3334 |
| 2019Q4 | $20.0M | $18.0M | $10.0M | $229.8k | 9.25% | 3,113 | 3336 |
| 2019Q3 | $19.1M | $17.3M | $9.6M | $174.7k | 9.37% | 3,111 | 3381 |
| 2019Q2 | $19.7M | $17.8M | $9.3M | $107.0k | 8.75% | 3,088 | 3363 |
| 2019Q1 | $20.0M | $18.2M | $8.6M | $61.0k | 8.38% | 3,107 | 3360 |
| 2018Q4 | $19.2M | $17.3M | $8.3M | $146.0k | 8.42% | 3,124 | 3396 |
| 2018Q3 | $19.0M | $17.3M | $8.4M | $127.4k | 8.41% | 3,155 | 3424 |
| 2018Q2 | $19.4M | $17.7M | $8.3M | $80.5k | 8.00% | 3,119 | 3421 |
| 2018Q1 | $18.9M | $17.3M | $8.0M | $33.7k | 7.96% | 3,106 | 3462 |
| 2017Q4 | $18.2M | $16.6M | $8.2M | $116.6k | 8.09% | 3,108 | 3505 |
| 2017Q3 | $17.8M | $16.2M | $8.2M | $87.3k | 8.10% | 3,104 | 3555 |
| 2017Q2 | $18.2M | $16.7M | $7.7M | $41.0k | 7.66% | 3,104 | 3562 |
| 2017Q1 | $18.0M | $16.6M | $7.3M | $13.7k | 7.57% | 3,085 | 3586 |
| 2016Q4 | $17.3M | $15.8M | $7.2M | $59.4k | 7.84% | 3,085 | 3620 |
| 2016Q3 | $17.1M | $15.6M | $7.1M | $48.5k | 7.88% | 3,113 | 3652 |
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