| Weiss Ratings |
Gratiot Community Credit Union
Alma, MI |
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| Rating | ||||
| Asset Quality Index | 6.40 | |||
| Capitalization Index | 5.80 | |||
| Liquidity Index | 4.20 | |||
| Profitability Index | 6.50 | |||
| Stability Index | 3.30 | |||
| Company Info |
Gratiot Community Credit Union
Alma, MI |
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| NCUA Charter Number | 4632 | |||
| Phone Number | (989) 463-8321 | |||
| Website | www.gratiotcu.org | |||
| Asset Quality |
Gratiot Community Credit Union
Alma, MI |
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| 1-Year Asset Growth | 2.36% | |||
| 5-Year Asset Growth | 8.32% | |||
| 5-Year Charge-Offs to Average Loans | 0.47% | |||
| Charge-Offs to Average Loans | 0.75% | |||
| Non-Performing Assets to Assets | 0.63% | |||
| Non-Performing Loans to Capital | 6.85% | |||
| Non-Performing Loans to Loans | 0.70% | |||
| Balance Sheet |
Gratiot Community Credit Union
Alma, MI |
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| Total Assets | 56.29M | |||
| Total Deposits | 50.80M | |||
| Capital and Reserves |
Gratiot Community Credit Union
Alma, MI |
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| Capital | 4.62M | |||
| Leverage Ratio | 8.35 | |||
| Loan Loss Reserves to Loans | 1.52% | |||
| Liquidity |
Gratiot Community Credit Union
Alma, MI |
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| Hot Money Ratio | 4.59% | |||
| Liquidity Ratio | 25.57% | |||
| Profitability |
Gratiot Community Credit Union
Alma, MI |
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| 5-Year Return on Average Assets | 0.36% | |||
| Net Income | 164.00K | |||
| Net Interest Spread | 5.65% | |||
| Operating Profit to Average Assets | 1.43% | |||
| Overhead Efficiency Ratio | 75.55% | |||
| Return on Assets | 0.58% | |||
| Return on Equity | 7.32% | |||