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Graco Federal Credit Union


Overview / Commentary
989-463-1247
305 W Downie St
Alma, MI 48801

Graco Federal Credit Union is headquartered in Alma and is the 185th largest credit union in the state of Michigan. It is also the 3,360th largest credit union in the nation. It was established in 1962 and as of March of 2019, it had grown to 8 employees and 3,107 members at 1 location. Graco Federal Credit Union has a B health rating.

Field of Membership Restrictions

Membership is open to those who live, work, attend school or worship in Gratiot County, Michigan.
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Health
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Graco Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #15304
Year Chartered1962
Employees8
Primary Regulator
Profit Margin
Return on Assets - YTD1.22%
Return on Equity - YTD14.3%
Annual Interest Income$184.00K
Assets and Liabilities
AssetsQ1 2019vs Q1 2018$20.0MM$18.9MM
LoansQ1 2019vs Q1 2018$8.6MM$8.0MM
DepositsQ1 2019vs Q1 2018$18.2MM$17.3MM
Equity CapitalQ1 2019vs Q1 2018$1.7MM$1.5MM
Loan Loss AllowanceQ1 2019vs Q1 2018$26.00K$28.00K
Unbacked Noncurrent LoansQ1 2019vs Q1 2018$27.00K$57.00K
Real Estate OwnedQ1 2019vs Q1 2018$0$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Graco Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%--IRA Shares
0.05%--Share Account
0.05%--Christmas Club Account

Graco Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%*$50k*-Money Market Share Account
OTHER TIERS: 0.05% $5k - $50k
0.05%$15k-Money Market Share Draft Account

Graco Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%$1k-24 Month CD
0.25%$1k-36 Month CD
0.25%$1k-48 Month CD
Locations


Graco Federal Credit Union Locations
Branch Office305 W Downie StAlma, MI 48801

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