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Overview / Commentary
305 W Downie St
Alma, MI 48801

Graco Federal Credit Union is headquartered in Alma and is the 204th largest credit union in the state of Michigan. It is also the 3,620th largest credit union in the nation. It was established in 1962 and as of December of 2016, it had grown to 8 employees and 3,085 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.
See current membership details


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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

NCUA #15304
Year Chartered1962
Primary Regulator
Profit Margin
Return on Assets - YTD0.34%
Return on Equity - YTD4.35%
Annual Interest Income$525.00K
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$17.3MM$17.0MM
LoansQ4 2016vs Q4 2015$7.2MM$6.7MM
DepositsQ4 2016vs Q4 2015$15.8MM$15.7MM
Equity CapitalQ4 2016vs Q4 2015$1.4MM$1.3MM
Loan Loss AllowanceQ4 2016vs Q4 2015$27.00K$18.00K
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$35.00K$43.00K
Real Estate OwnedQ4 2016vs Q4 2015$0$0
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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

0.20%--IRA Shares
0.05%--Share Account
0.05%--Christmas Club Account

Graco Federal Credit Union Money Market Rates

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

0.25%$1k-24 Month CD
0.25%$1k-36 Month CD
0.25%$1k-48 Month CD

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