Side-by-side · Q2 2026 data
First National Bank of Michigan 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 | First National Bank of Michigan | Grand Trunk Battle Creek Emp Federal Credit Union |
|---|---|---|
| TellerScore | 60 | 86 (stronger) |
| Capital cushion | 45 | 100 (stronger) |
| Loan quality | 73 | 76 (stronger) |
| Earnings | 59 | 59 |
| Funding & liquidity | 50 | 100 (stronger) |
| Problem-loan coverage | 87 | 97 (stronger) |
| Peer percentile | 19th | 80th |
| Total assets | $988.9M | $39.7M |
| Deposits / shares | $807.2M | $31.3M |
| Capital ratio | 9.54% | 20.59% (stronger) |
| Problem loans | 0.80% | 0.72% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.92% |
| Return on assets | 0.98% (stronger) | 0.97% |
| Loans ÷ deposits | 100.9% | 47.6% (stronger) |
| Uninsured deposits | 23.2% | 0.0% (stronger) |
| Offices | 6 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Grand Trunk Battle Creek Emp Federal Credit Union has the higher TellerScore (86 vs 60). On the 7 directional measures above (where higher or lower is clearly better), First National Bank of Michigan leads on 2 and Grand Trunk Battle Creek Emp Federal Credit Union on 5. 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.