Federal credit union · BATTLE CREEK, Michigan · NCUA charter #5170
Grand Trunk Battle Creek Emp
Health score 73/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 73
- Health / 100
- $38.9M
- Total assets
- 2,511
- Members
- 20.5%
- Net-worth ratio
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.
Grand Trunk Battle Creek Emp - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)55
- Earnings (ROA)100
- Member growth29
- Liquidity (loan-to-share)69
Weighted composite: 73/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 20.49%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 20.49% | 30% |
| Delinquency Rate | 1.84% | 25% |
| Return on Assets | 1.78% | 15% |
| Member Growth | -2.60% | 15% |
| Loan-to-Share Ratio | 48.66% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Grand Trunk Battle Creek Emp
The five-factor composite scores Grand Trunk Battle Creek Emp at 73/100 (Very Good), reflecting a net worth ratio of 20.49% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in BATTLE CREEK, Michigan, reports 2,511 members, $38.9M in total assets, and $14.9M in outstanding loans as of Q4 2025 under charter #5170 (peer group $10M–$50M, a cohort of 1163 similarly-sized institutions).
1.84% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running looser than peers. Deposit deployment is captured by the 48.66% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 1.78% on net income of $694K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -2.60%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Community) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
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
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
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. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 20.49% 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 20.49% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.