Side-by-side · Q2 2026 data
Grand Trunk Battle Creek Emp Federal Credit Union vs Settlers Federal Credit Union
Credit union
Grand Trunk Battle Creek Emp Federal Credit Union
Battle Creek, Michigan · Under $100 million in assets
Credit union
Settlers Federal Credit Union
Bruce Crossing, Michigan · Under $100 million in assets
Metric by metric
| Measure | Grand Trunk Battle Creek Emp Federal Credit Union | Settlers Federal Credit Union |
|---|---|---|
| TellerScore | 86 | 92 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 76 (stronger) | 74 |
| Earnings | 59 | 100 (stronger) |
| Funding & liquidity | 100 (stronger) | 94 |
| Problem-loan coverage | 97 (stronger) | 96 |
| Peer percentile | 80th | 92nd |
| Total assets | $39.7M | $37.8M |
| Deposits / shares | $31.3M | $30.2M |
| Capital ratio | 20.59% (stronger) | 19.67% |
| Problem loans | 0.72% (stronger) | 0.79% |
| Net charge-offs | 0.92% | -0.63% (stronger) |
| Return on assets | 0.97% | 2.24% (stronger) |
| Loans ÷ deposits | 47.6% (stronger) | 66.4% |
| Uninsured deposits | 0.0% (stronger) | 2.5% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Settlers Federal Credit Union has the higher TellerScore (92 vs 86). On the 7 directional measures above (where higher or lower is clearly better), Grand Trunk Battle Creek Emp Federal Credit Union leads on 4 and Settlers Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.