Grand Trunk Battle Creek Emp

BATTLE CREEK, MI · 1 · Charter #5170 · www.grandtrunkcu.com
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$38.9M
89th percentile
Members
2,511
77th percentile
Total loans
$14.9M
78th percentile
Total shares
$30.5M
85th percentile

Profitability

Return on assets
1.85%
88th percentile
Net interest margin
5.02%
83th percentile
Efficiency ratio
65.61%
53th percentile
Non-interest income ratio
17.48%
77th percentile

Capital & Risk

Net worth ratio
20.49%
75th percentile
Delinquency rate
1.84%
26th percentile
Net charge-off rate
0.03%
70th percentile
Loan-to-share
48.66%
32th percentile

Growth

Member growth YoY
-2.60%
37th percentile
Asset growth YoY
0.66%
46th percentile
Loan growth YoY
3.70%
75th percentile
Share growth YoY
-2.36%
32th percentile

Operations

Members / branch
2,511
87th percentile
Assets / member
$15,506
87th percentile
Field of membership penetration
50.22%
67th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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