Side-by-side · Q2 2026 data
Grand Trunk Battle Creek Emp Federal Credit Union vs Kalsee 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 | Kalsee Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 70 |
| Capital cushion | 100 (stronger) | 56 |
| Loan quality | 76 | 90 (stronger) |
| Earnings | 59 (stronger) | 52 |
| Funding & liquidity | 100 (stronger) | 72 |
| Problem-loan coverage | 97 (stronger) | 95 |
| Peer percentile | 80th | 51st |
| Total assets | $39.7M | $291.5M |
| Deposits / shares | $31.3M | $261.8M |
| Capital ratio | 20.59% (stronger) | 10.60% |
| Problem loans | 0.72% | 0.31% (stronger) |
| Net charge-offs | 0.92% | 0.51% (stronger) |
| Return on assets | 0.97% (stronger) | 0.80% |
| Loans ÷ deposits | 47.6% (stronger) | 87.8% |
| Uninsured deposits | 0.0% (stronger) | 6.7% |
| Offices | 2 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 5.0% |
Grand Trunk Battle Creek Emp Federal Credit Union has the higher TellerScore (86 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Grand Trunk Battle Creek Emp Federal Credit Union leads on 5 and Kalsee Credit Union on 2. 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.