| Weiss Ratings |
Gratiot Community Credit Union
Alma, MI |
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| Rating | ||||
| Asset Quality Index | 9.80 | |||
| Capitalization Index | 6.20 | |||
| Liquidity Index | 4.10 | |||
| Profitability Index | 7.50 | |||
| Stability Index | 3.50 | |||
| 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 | 4.75% | |||
| 5-Year Asset Growth | 8.32% | |||
| 5-Year Charge-Offs to Average Loans | 0.47% | |||
| Charge-Offs to Average Loans | 0.70% | |||
| Non-Performing Assets to Assets | 0.07% | |||
| Non-Performing Loans to Capital | 0.80% | |||
| Non-Performing Loans to Loans | 0.11% | |||
| Balance Sheet |
Gratiot Community Credit Union
Alma, MI |
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| Total Assets | 56.20M | |||
| Total Deposits | 50.27M | |||
| Capital and Reserves |
Gratiot Community Credit Union
Alma, MI |
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| Capital | 4.87M | |||
| Leverage Ratio | 8.76 | |||
| Loan Loss Reserves to Loans | 1.40% | |||
| Liquidity |
Gratiot Community Credit Union
Alma, MI |
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| Hot Money Ratio | 4.53% | |||
| Liquidity Ratio | 24.11% | |||
| Profitability |
Gratiot Community Credit Union
Alma, MI |
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| 5-Year Return on Average Assets | 0.36% | |||
| Net Income | 388.00K | |||
| Net Interest Spread | 5.69% | |||
| Operating Profit to Average Assets | 1.52% | |||
| Overhead Efficiency Ratio | 74.47% | |||
| Return on Assets | 0.92% | |||
| Return on Equity | 11.32% | |||