Headquartered in Battle Creek, Michigan, Grand Trunk Battle Creek Emp Federal Credit Union is a federal credit union with $39.7M in total assets and $31.3M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1945.
Grand Trunk Battle Creek Emp Federal Credit Union has a TellerScore of 86 out of 100 (very strong) based on Q2 2026 data — higher than 80% of its 2,479 credit unions with under $100 million in assets. Among 169 credit unions headquartered in Michigan, it ranks 26th. Capital cushion contributes the most (100/100, 20.59%); earnings contributes the least (59/100, 0.97%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 9 points (95 → 86), mostly because the earnings component weakened by 35 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 93 |
| Q3 2024 | 92 |
| Q4 2024 | 88 |
| Q1 2025 | 90 |
| Q2 2025 | 95 |
| Q3 2025 | 91 |
| Q4 2025 | 81 |
| Q1 2026 | 81 |
| Q2 2026 | 86 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 18.02% |
| Q3 2024 | 18.61% |
| Q4 2024 | 18.96% |
| Q1 2025 | 19.23% |
| Q2 2025 | 19.17% |
| Q3 2025 | 20.15% |
| Q4 2025 | 20.49% |
| Q1 2026 | 20.35% |
| Q2 2026 | 20.59% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.50% |
| Q3 2024 | 0.75% |
| Q4 2024 | 1.24% |
| Q1 2025 | 0.95% |
| Q2 2025 | 0.39% |
| Q3 2025 | 0.92% |
| Q4 2025 | 1.84% |
| Q1 2026 | 0.87% |
| Q2 2026 | 0.72% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.63% |
| Q3 2024 | 1.77% |
| Q4 2024 | 1.79% |
| Q1 2025 | 1.81% |
| Q2 2025 | 1.84% |
| Q3 2025 | 1.86% |
| Q4 2025 | 1.65% |
| Q1 2026 | 0.55% |
| Q2 2026 | 0.97% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 86 | $39.7M | 20.59% | 0.72% | 0.97% | 47.6% |
| Q1 2026 | 81 | $39.5M | 20.35% | 0.87% | 0.55% | 46.3% |
| Q4 2025 | 81 | $38.9M | 20.49% | 1.84% | 1.65% | 48.7% |
| Q3 2025 | 91 | $39.1M | 20.15% | 0.92% | 1.86% | 47.7% |
| Q2 2025 | 95 | $40.2M | 19.17% | 0.39% | 1.84% | 44.1% |
| Q1 2025 | 90 | $39.1M | 19.23% | 0.95% | 1.81% | 44.2% |
| Q4 2024 | 88 | $38.7M | 18.96% | 1.24% | 1.79% | 45.8% |
| Q3 2024 | 92 | $38.4M | 18.61% | 0.75% | 1.77% | 45.8% |
| Q2 2024 | 93 | $38.6M | 18.02% | 0.50% | 1.63% | 43.9% |
2,479 peers · Under $100 million in assets
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Michigan
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Gogebic County Federal Credit UnionCredit union Bessemer, MI | 92 out of 100, Very strong | $38.5M | 17.2% | 0.89% | vs |
| Detour Drummond Community Credit UnionCredit union Drummond Island, MI | 79 out of 100, Strong | $38.5M | 18.1% | 1.59% | vs |
| Graco Federal Credit UnionCredit union Alma, MI | 72 out of 100, Strong | $38.2M | 9.7% | 0.58% | vs |
| Settlers Federal Credit UnionCredit union Bruce Crossing, MI | 92 out of 100, Very strong | $37.8M | 19.7% | 0.79% | vs |
| Chiropractic Federal Credit UnionCredit union Farmington, MI | 74 out of 100, Strong | $41.7M | 15.0% | 1.97% | vs |
| Port City Federal Credit UnionCredit union Muskegon, MI | 80 out of 100, Strong | $42.1M | 12.1% | 0.04% | vs |
Deposit insurance
Is my money safe at Grand Trunk Battle Creek Emp Federal Credit Union?
Yes. Grand Trunk Battle Creek Emp Federal Credit Union is a federally insured credit union (NCUA charter #5170). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 20.59%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
2 locations
Branches
Grand Trunk Battle Creek Emp Federal Credit Union lists 2 offices in 1 city. Most locations:
- Battle Creek, MI (2)
Identity & history
Profile
- Legal name
- Grand Trunk Battle Creek Emp Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 5170
- RSSD ID
- 841575
- Primary regulator
- NCUA
- Established
- 1945
- Headquarters
- 1275 Raymond Rd N, Battle Creek, MI 49014
- Employees
- 15
Quick answers
Grand Trunk Battle Creek Emp Federal Credit Union: common questions
Is Grand Trunk Battle Creek Emp Federal Credit Union NCUA insured?
Yes. Grand Trunk Battle Creek Emp Federal Credit Union is a federally insured credit union (NCUA charter #5170). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Grand Trunk Battle Creek Emp Federal Credit Union's TellerScore?
86 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Grand Trunk Battle Creek Emp Federal Credit Union have?
2 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Battle Creek
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Omni Community Credit UnionCredit union Battle Creek, MI | 90 out of 100, Very strong | $662.0M | 16.3% | 0.75% | vs |
| Kellogg Community Credit UnionCredit union Battle Creek, MI | 88 out of 100, Very strong | $1.0B | 16.7% | 0.41% | vs |
| Marshall Community Credit UnionCredit union Marshall, MI | 78 out of 100, Strong | $371.8M | 17.2% | 2.08% | vs |
| Lake Michigan Credit UnionCredit union Grand Rapids, MI | 73 out of 100, Strong | $17.3B | 11.3% | 0.35% | vs |
| Lafcu Credit UnionCredit union Lansing, MI | 72 out of 100, Strong | $1.1B | 20.7% | 1.24% | vs |
| Eaton Community BankBank Charlotte, MI | 71 out of 100, Strong | $543.5M | 12.9% | 1.23% | vs |