GRATIOT COMMUNITY Credit Union Profile

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GRATIOT COMMUNITY

Charter #61986 | NCUA Region 1 | FISCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (989) 463-8321

Fax: (989) 463-8324

Founding Date: N/A

Website: http://www.gratiotcu.org

Personnel & Operations

President: Pominville, Sharol

Manager: Struble, Katina

FT Employees: 20

PT Employees: 3

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 99

Branches: 3

Hours: Mon - Th 9-5 Fri 9 - 6

Credit Union Profile Summary

GRATIOT COMMUNITY is a FISCU Credit Union. With a total of 6,631 members [1], this institution manages approximately $56,294,138 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 8.34% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -11.98% [1].

Financial Snapshot

Total Assets [1]
$56,294,138

Total economic resources.

Total Loans [1]
$36,765,654

Total value of outstanding loans.

Total Deposits [1]
$50,794,914

Total funds deposited by members.

Members [1]
6,631

Number of active members.

Performance Ratios

Net Worth Ratio [1]
8.34%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
0.59%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
72.38%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↑ 2.36%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↓ -11.98%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↓ -1.13%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

211 W Center St

Alma, MI, 48801-2206
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

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Branch Locations

Found 4 branches reported by GRATIOT COMMUNITY (Charter #61986).

Main Office

Gratiot Community CU Main Office

Type: Corporate Office

211 W Center St

Alma, MI 48801-2206

Phone: (989) 463-8321

Services: Member Services

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Additional Branches

Alma

Alma Drive Thur

Type: Branch Office

119 W Center St

Alma, MI 48801

Phone: (989) 463-9955

Services: ATM, Drive-Thru

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Operation Building

Type: Corporate Office

135 W Center St

Alma, MI 48801

Services: None specified

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Ithaca

Gratiot Community CU

Type: Branch Office

855 E Center St

Ithaca, MI 48847-1613

Phone: (989) 875-6184

Services: Member Services, ATM, Drive-Thru

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