Federal credit union · BATTLE CREEK, Michigan · NCUA charter #5170
Grand Trunk Battle Creek Emp
Health score 73/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 73
- Health / 100
- $38.9M
- Total assets
- 2,511
- Members
- 20.3%
- Net-worth ratio
Grand Trunk Battle Creek Emp scores 73/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $38.9M; members 2,511; net-worth ratio 20.35%; health rank #3,383 of 4,374; healthier than 21st of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,383 of 4,374 health · 2025Q4Grand Trunk Battle Creek Emp · health 73/100 · $38.9M · 2025Q4
Call Report peers
Grand Trunk Battle Creek Emp in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Grand Trunk Battle Creek Emp vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Grand Trunk Battle Creek Emp sits in 70-74 with 317 others.
73 21st percentile higher than 21% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for Grand Trunk Battle Creek Emp
- Largest favorable gap: Net Worth Ratio at 20.35% vs peer 14.86% (+5.49 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -11.14 pp (48.66% vs 59.80%).
Michigan standing for Grand Trunk Battle Creek Emp
- Michigan health ordinal: #156 of 171.
- Michigan assets place: #143 of 171.
- Michigan membership ordinal: #148 of 171.
- One place up in Michigan, Michigan State University (#155) scores 75/100, 2 points higher; one place down, A.B.D. (#157) ties at 73/100.
How Grand Trunk Battle Creek Emp's 5300 filing moved
Grand Trunk Battle Creek Emp: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.4% from $38.9M (2025Q4) to $39.5M (2026Q1).
- Net-worth ratio shifted -0.14 pp (20.49% → 20.35%).
At 20.35%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 73/100 score is built
Grand Trunk Battle Creek Emp gives up 27 points in total. Delinquency Rate costs the most, 11.3 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 13.7 pts
- Return on Assets 15.0 pts
- Member Growth 4.3 pts
- Loan-to-Share Ratio 10.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 20.35% | +5.49 pp |
| Delinquency Rate | 1.84% | +0.70 pp |
| Return on Assets | 1.78% | +1.08 pp |
| Member Growth | -2.60% | - |
| Loan-to-Share Ratio | 48.66% | -11.14 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Grand Trunk Battle Creek Emp filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $39.5M | - |
| 2025Q4 | $38.9M | 2,511 |
| 2024Q4 | $38.7M | 2,578 |
| 2023Q4 | $38.8M | 2,620 |
Credit Union Details
- Charter Number
- 5170
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Michigan
- City
- BATTLE CREEK
- Data Quarter
- 2025Q4
Branch Location
Grand Trunk Battle Creek Emp operates a single office in Battle Creek, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Battle Creek, MI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Michigan
More federally-insured credit unions based in Michigan, ordered by peer group match and asset size.
- DETOUR DRUMMOND COMMUNITYDRUMMOND ISLAND, MI · $10M–$50M83Health
- FIRST AREASAGINAW, MI · $10M–$50M61Health
- GOGEBIC COUNTYBESSEMER, MI · $10M–$50M82Health
- CHIROPRACTICFARMINGTON, MI · $10M–$50M81Health
- PORT CITYMUSKEGON, MI · $10M–$50M81Health
Compare Grand Trunk Battle Creek Emp vs DETOUR DRUMMOND COMMUNITY
Nationwide credit unions with similar profiles
Similar total assets
Using this data
- Grand Trunk Battle Creek Emp ranks #3,383 of 4,374 nationally on financial health and #156 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Detour Drummond Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Detour Drummond Community
Frequently Asked Questions
Is Grand Trunk Battle Creek Emp financially healthy?
Grand Trunk Battle Creek Emp has a financial health score of 73/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,383 of 4,374 nationally on health and #156 of 171 in Michigan. Its net worth ratio is 20.35% and its delinquency rate 1.84%.
How does Grand Trunk Battle Creek Emp compare to other credit unions?
Grand Trunk Battle Creek Emp scores 73/100, higher than 21% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is net worth ratio (20.35% vs 14.86%). Its widest shortfall is loan-to-share ratio (48.66% vs 59.80%).
How can I join Grand Trunk Battle Creek Emp?
Grand Trunk Battle Creek Emp operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Grand Trunk Battle Creek Emp directly for the exact boundaries and application steps.
Is my money safe at Grand Trunk Battle Creek Emp?
Grand Trunk Battle Creek Emp is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Grand Trunk Battle Creek Emp's net worth ratio of 20.35% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.