Battle Creek, Michigan · Peer group 3
Grand Trunk Battle Creek Emp Credit Union
Grand Trunk Battle Creek Emp Credit Union holds $39.5M in assets across 2,492 members as of Q1 2026 — about $16K of assets per member, on a charter dating to 1945. Charter number 5170, in the $10M-$50M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $39.5M |
|---|---|
| Total loans | $14.4M |
| Total shares (deposits) | $31.2M |
| Net worth | $8.0M |
| Members | 2,492 |
| Assets per member | $16K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 1.0% | |
|---|---|---|
| Loans | 4.2% | around the 79th percentile of its peer group |
| Deposits | -0.4% | around the 38th percentile of its peer group |
| Members | -2.7% | around the 33rd percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 46.3% | around the 30th percentile of its peer group |
|---|---|---|
| Net worth ratio | 20.4% | around the 86th percentile of its peer group |
| Return on assets | 0.55% | around the 44th percentile of its peer group |
| Delinquency ratio | 0.87% | around the 64th percentile of its peer group |
| Cash / assets | 6.1% | around the 18th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 49th percentile of its peer group |
What this page does not show
Everything above is Grand Trunk Battle Creek Emp Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Michigan — the comparison set a peer ratio is measured against.
- Detour Drummond Community Credit Union
DRUMMOND ISLAND, MI
$39.0M · 2,007 members
- Gogebic County Credit Union
BESSEMER, MI
$38.7M · 3,746 members
- Chiropractic Credit Union
FARMINGTON, MI
$40.8M · 2,594 members
- Graco Credit Union
Alma, MI
$37.6M · 3,377 members
- Settlers Credit Union
BRUCE CROSSING, MI
$37.3M · 3,965 members
- Port City Credit Union
MUSKEGON, MI
$42.8M · 2,664 members
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