Graco

Alma, MI · 1 · Charter #15304 · www.gracofcu.org
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$34.2M
83th percentile
Members
3,364
89th percentile
Total loans
$16.0M
81th percentile
Total shares
$30.5M
85th percentile

Profitability

Return on assets
1.25%
69th percentile
Net interest margin
4.16%
57th percentile
Efficiency ratio
68.23%
46th percentile
Non-interest income ratio
21.27%
85th percentile

Capital & Risk

Net worth ratio
10.23%
17th percentile
Delinquency rate
0.81%
47th percentile
Net charge-off rate
0.37%
40th percentile
Loan-to-share
52.55%
38th percentile

Growth

Member growth YoY
-2.07%
43th percentile
Asset growth YoY
13.07%
95th percentile
Loan growth YoY
-5.52%
39th percentile
Share growth YoY
13.27%
95th percentile

Operations

Members / branch
3,364
94th percentile
Assets / member
$10,172
57th percentile
Field of membership penetration
6.73%
20th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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