credit union · NCUA 61986 · MI
How big is GRATIOT COMMUNITY?
GRATIOT COMMUNITY (MI, NCUA charter 61986) reported total assets of $59.7M, 6,667 members and a net worth ratio of 9.13% in its Call Report for 2026Q2. That ranks 2257 of 4,299 federally insured credit unions by assets, 437 of 573 among credit unions with $50m-$100m in assets, 131 of 169 credit unions in michigan.
What stands out
GRATIOT COMMUNITY (MI, NCUA charter 61986) reported total assets of $59.7M, 6,667 members and a net worth ratio of 9.13% in its Call Report for 2026Q2. That ranks 2257 of 4,299 federally insured credit unions by assets, 437 of 573 among credit unions with $50m-$100m in assets, 131 of 169 credit unions in michigan. Against its size class: net worth ratio 9.13%, below the peer median of 12.95%; loan-to-share ratio 76.93%, above the peer median of 60.93%; return on assets 1.28%, above the peer median of 0.73%. At 9.13% 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 | $59.7M | $72.1M | $186.5M | $68.3M | record → |
| Shares and deposits | $53.1M | $61.4M | $160.8M | $58.3M | record → |
| Loans outstanding | $40.8M | $37.6M | $115.9M | $34.4M | record → |
| Net income (year to date) | $383.2k | $269.0k | $792.8k | $222.2k | record → |
| Net worth | $5.5M | $9.2M | $22.8M | $9.0M | record → |
| Net worth ratio | 9.13% | 12.95% | 12.03% | 12.65% | record → |
| Loan-to-share ratio | 76.93% | 60.93% | 68.71% | 68.70% | computed |
| Return on assets | 1.28% | 0.73% | 0.92% | 0.71% | computed |
| Members | 6,667 | 5,030 | 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 | $59.7M | $53.1M | $40.8M | $383.2k | 9.13% | 6,667 | 2257 |
| 2026Q1 | $60.5M | $54.3M | $39.2M | $190.8k | 8.69% | 6,681 | 2251 |
| 2025Q4 | $59.0M | $52.9M | $37.6M | $581.7k | 8.59% | 6,662 | 2274 |
| 2025Q3 | $56.2M | $50.3M | $37.0M | $388.4k | 8.76% | 6,645 | 2318 |
| 2025Q2 | $56.3M | $50.8M | $36.8M | $164.3k | 8.34% | 6,631 | 2327 |
| 2025Q1 | $56.2M | $51.1M | $37.4M | $-18.4k | 8.03% | 6,648 | 2340 |
| 2024Q4 | $55.6M | $50.2M | $38.9M | $418.1k | 8.16% | 6,666 | 2346 |
| 2024Q3 | $53.7M | $48.7M | $40.3M | $130.0k | 8.10% | 6,713 | 2377 |
| 2024Q2 | $55.0M | $49.7M | $41.8M | $85.2k | 7.81% | 6,707 | 2372 |
| 2024Q1 | $56.5M | $51.6M | $42.2M | $76.8k | 7.59% | 6,701 | 2361 |
| 2023Q4 | $54.9M | $49.2M | $43.8M | $176.8k | 7.67% | 6,691 | 2379 |
| 2023Q3 | $54.4M | $49.1M | $43.4M | $97.2k | 7.65% | 6,702 | 2397 |
| 2023Q2 | $55.4M | $50.9M | $42.4M | $137.7k | 7.57% | 6,708 | 2391 |
| 2023Q1 | $55.9M | $51.1M | $42.5M | $52.3k | 7.35% | 6,706 | 2398 |
| 2022Q4 | $55.6M | $50.8M | $41.3M | $208.3k | 7.31% | 6,692 | 2404 |
| 2022Q3 | $55.0M | $50.6M | $39.2M | $118.1k | 7.22% | 6,632 | 2430 |
| 2022Q2 | $55.5M | $50.8M | $36.3M | $65.9k | 7.07% | 6,567 | 2428 |
| 2022Q1 | $55.5M | $50.8M | $32.6M | $37.3k | 7.02% | 6,444 | 2436 |
| 2021Q4 | $53.4M | $48.6M | $31.3M | $106.4k | 7.22% | 6,392 | 2460 |
| 2021Q3 | $51.2M | $46.5M | $29.0M | $32.9k | 7.39% | 6,367 | 2496 |
| 2021Q2 | $51.0M | $46.1M | $25.8M | $-651 | 7.36% | 6,260 | 2493 |
| 2021Q1 | $51.2M | $46.4M | $22.5M | $-18.3k | 7.29% | 6,203 | 2493 |
| 2020Q4 | $46.9M | $42.3M | $20.5M | $78.2k | 8.00% | 6,111 | 2534 |
| 2020Q3 | $44.3M | $39.9M | $20.4M | $29.7k | 8.35% | 6,181 | 2571 |
| 2020Q2 | $43.3M | $38.7M | $18.7M | $23.7k | 8.54% | 6,200 | 2576 |
| 2020Q1 | $38.5M | $34.3M | $17.9M | $24.4k | 9.60% | 6,170 | 2626 |
| 2019Q4 | $37.3M | $33.2M | $18.6M | $236.4k | 9.85% | 6,202 | 2627 |
| 2019Q3 | $36.4M | $32.1M | $17.9M | $174.5k | 9.91% | 6,120 | 2649 |
| 2019Q2 | $37.6M | $33.3M | $18.4M | $139.6k | 9.51% | 6,117 | 2633 |
| 2019Q1 | $37.3M | $33.3M | $18.4M | $43.0k | 9.32% | 6,225 | 2639 |
| 2018Q4 | $35.0M | $31.2M | $18.9M | $316.4k | 9.81% | 6,198 | 2689 |
| 2018Q3 | $34.5M | $30.7M | $18.8M | $215.6k | 9.66% | 6,177 | 2710 |
| 2018Q2 | $35.8M | $32.0M | $18.6M | $121.5k | 9.05% | 6,058 | 2690 |
| 2018Q1 | $35.9M | $32.3M | $18.6M | $68.9k | 8.88% | 6,066 | 2695 |
| 2017Q4 | $35.7M | $32.1M | $18.7M | $259.7k | 8.74% | 6,103 | 2674 |
| 2017Q3 | $35.0M | $31.8M | $18.7M | $200.1k | 8.73% | 6,096 | 2716 |
| 2017Q2 | $35.1M | $31.9M | $18.5M | $113.4k | 8.47% | 6,079 | 2725 |
| 2017Q1 | $34.2M | $31.1M | $17.9M | $24.8k | 8.44% | 6,015 | 2772 |
| 2016Q4 | $32.5M | $29.5M | $18.3M | $217.3k | 8.80% | 5,993 | 2806 |
| 2016Q3 | $31.9M | $28.9M | $17.9M | $130.4k | 8.69% | 5,985 | 2839 |
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