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
- ROA 73/100
- ASSETS 20.3%
- MEM 1.84%
- RANK 1.78%
- PHOTO $38.9M
- BOOK 2,511
- CHARTER #3,383/4,374
- NCUSIF 600 Atlantic
- CAMELS 5170
Call Report peers
Grand Trunk Battle Creek Emp in the assets neighbourhood
Grand Trunk Battle Creek Emp's $38.9M assets sit next to 600 Atlantic ($38.9M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
73 21st percentile higher than 21% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Grand Trunk Battle Creek Emp - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #5170. See our deposit-insurance coverage note.
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%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for MI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Grand Trunk Battle Creek Emp's 5300 filing moved
Grand Trunk Battle Creek Emp: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.4% from $38.9M (2025Q4) to $39.5M (2026Q1).
- Net-worth ratio shifted -0.14 pp (20.49% → 20.35%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 73.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
Cross-state asset and health neighbours for Grand Trunk Battle Creek Emp - kept outside Michigan; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($38.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (73/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Michigan credit unions compare overall before assuming this one is typical. Michigan state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
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) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,383 of 4,374; by total assets it ranks #2,627 of 4,374 nationally (same basis as /rankings/largest); and #143 of 171 within Michigan. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 20.35% and delinquency rate of 1.84%.
How does Grand Trunk Battle Creek Emp compare to other credit unions?
Five weighted metrics from NCUA filings produce Grand Trunk Battle Creek Emp's 73/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like Grand Trunk Battle Creek Emp are 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."
What rates does Grand Trunk Battle Creek Emp offer compared to banks?
Credit unions like Grand Trunk Battle Creek Emp are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Grand Trunk Battle Creek Emp directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.