Side-by-side · Q2 2026 data
Homestead Savings 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 | Homestead Savings Bank | Grand Trunk Battle Creek Emp Federal Credit Union |
|---|---|---|
| TellerScore | 68 | 86 (stronger) |
| Capital cushion | 44 | 100 (stronger) |
| Loan quality | 92 (stronger) | 76 |
| Earnings | 50 | 59 (stronger) |
| Funding & liquidity | 83 | 100 (stronger) |
| Problem-loan coverage | 97 | 97 |
| Peer percentile | 33rd | 80th |
| Total assets | $71.6M | $39.7M |
| Deposits / shares | $64.6M | $31.3M |
| Capital ratio | 9.42% | 20.59% (stronger) |
| Problem loans | 0.24% (stronger) | 0.72% |
| Net charge-offs | -0.00% (stronger) | 0.92% |
| Return on assets | 0.75% | 0.97% (stronger) |
| Loans ÷ deposits | 77.1% | 47.6% (stronger) |
| Uninsured deposits | 12.0% | 0.0% (stronger) |
| Offices | 3 | 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 68). On the 7 directional measures above (where higher or lower is clearly better), Homestead Savings Bank leads on 2 and Grand Trunk Battle Creek Emp Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.