Side-by-side · Q2 2026 data
Grand Trunk Battle Creek Emp Federal Credit Union vs Graco 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 | Grand Trunk Battle Creek Emp Federal Credit Union | Graco Federal Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 72 |
| Capital cushion | 100 (stronger) | 47 |
| Loan quality | 76 | 81 (stronger) |
| Earnings | 59 | 65 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 97 (stronger) | 95 |
| Peer percentile | 80th | 44th |
| Total assets | $39.7M | $38.2M |
| Deposits / shares | $31.3M | $34.0M |
| Capital ratio | 20.59% (stronger) | 9.70% |
| Problem loans | 0.72% | 0.58% (stronger) |
| Net charge-offs | 0.92% | 0.35% (stronger) |
| Return on assets | 0.97% | 1.11% (stronger) |
| Loans ÷ deposits | 47.6% | 45.8% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 6.3% |
| Offices | 2 | 1 |
| 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 72). On the 7 directional measures above (where higher or lower is clearly better), Grand Trunk Battle Creek Emp Federal Credit Union leads on 3 and Graco Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.