GRAND TRUNK BATTLE CREEK EMP
Charter #5170 · BATTLE CREEK, MI · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 20.35% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.63% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 1.86% sits at the 95th percentile of structural peers — worth a closer look.
- On Cost of funds, the asset-size band puts this credit union at the 31st percentile but its structural peers at the 51st — a 19-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | GRAND TRUNK BATTLE CREEK EMP | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $39.47M | 81th pct | 67th pct |
| Members | 2,492 | 63th pct | 48th pct |
| Net worth ratio | 20.35% | 86th pct | 85th pct |
| Return on average assets | 0.55% | 44th pct | 28th pct |
| Net interest margin | 4.63% | 83th pct | 87th pct |
| Cost of funds | 0.49% | 31th pct | 51th pct |
| Loan-to-share | 46.32% | 30th pct | 44th pct |
| Delinquency 60+ days | 0.87% | 64th pct | 74th pct |
| Net charge-off ratio | 1.86% | 94th pct | 95th pct |
| Loan growth YoY | -0.62% | 65th pct | 82th pct |
| Share growth YoY | 2.41% | 49th pct | 44th pct |
| Efficiency ratio | 78.86% | 46th pct | 57th pct |
structural peer set hash: f820574adce5ac6f761ba44524edd354… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.