Side-by-side · Q2 2026 data
Eaton Community Bank vs Grand Trunk Battle Creek Emp Federal Credit Union
Credit union
Grand Trunk Battle Creek Emp Federal Credit Union
Battle Creek, Michigan · Under $100 million in assets
Metric by metric
| Measure | Eaton Community Bank | Grand Trunk Battle Creek Emp Federal Credit Union |
|---|---|---|
| TellerScore | 71 | 86 (stronger) |
| Capital cushion | 79 | 100 (stronger) |
| Loan quality | 59 | 76 (stronger) |
| Earnings | 53 | 59 (stronger) |
| Funding & liquidity | 87 | 100 (stronger) |
| Problem-loan coverage | 88 | 97 (stronger) |
| Peer percentile | 47th | 80th |
| Total assets | $543.5M | $39.7M |
| Deposits / shares | $459.0M | $31.3M |
| Capital ratio | 12.89% | 20.59% (stronger) |
| Problem loans | 1.23% | 0.72% (stronger) |
| Net charge-offs | 1.05% | 0.92% (stronger) |
| Return on assets | 0.81% | 0.97% (stronger) |
| Loans ÷ deposits | 73.6% | 47.6% (stronger) |
| Uninsured deposits | 13.2% | 0.0% (stronger) |
| Offices | 7 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.6% | — |
Grand Trunk Battle Creek Emp Federal Credit Union has the higher TellerScore (86 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Eaton Community Bank leads on 0 and Grand Trunk Battle Creek Emp Federal Credit Union on 7. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.