BlastPoint's Credit Union Scorecard
GRAND TRUNK BATTLE CREEK EMP
Charter #5170 · MI
GRAND TRUNK BATTLE CREEK EMP has 4 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.02% above tier average
- + Net Interest Margin 1.06% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 9.2% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.29% above tier average
- - Member decline: -2.6% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,511
-2.6% YoY-0.4% QoQ
|
-104 |
2,615
-1.9% YoY
|
35,710
+6.8% YoY
|
33,374
+5.7% YoY
|
60% |
| Assets |
$38.9M
+0.7% YoY-0.4% QoQ
|
+$8.8M |
$30.1M
+2.1% YoY
|
$674.6M
+13.3% YoY
|
$561.6M
+9.7% YoY
|
68% |
| Loans |
$14.9M
+3.7% YoY+2.2% QoQ
|
$-905K |
$15.8M
-1.3% YoY
|
$472.4M
+13.5% YoY
|
$397.0M
+8.8% YoY
|
61% |
| Deposits |
$30.5M
-2.4% YoY+0.3% QoQ
|
+$4.8M |
$25.7M
+1.4% YoY
|
$573.0M
+13.1% YoY
|
$477.3M
+9.7% YoY
|
66% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.6%
-8.6% YoY-10.1% QoQ
|
+1.0% |
0.6%
+10.8% YoY
|
0.9%
-8.5% YoY
|
0.7%
+15.9% YoY
|
Top 12.6% in tier |
| NIM |
5.0%
+6.2% YoY+1.0% QoQ
|
+1.1% |
4.0%
+4.0% YoY
|
3.8%
+7.8% YoY
|
3.8%
+5.1% YoY
|
Top 14.3% in tier |
| Efficiency Ratio |
70.0%
+4.7% YoY+3.2% QoQ
|
-12.6% |
82.6%
-2.3% YoY
|
75.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
27% |
| Delinquency Rate |
1.8%
+48.9% YoY+99.4% QoQ
|
+0.3 |
1.6%
-3.1% YoY
|
0.9%
-8.5% YoY
|
1.3%
-2.1% YoY
|
76% |
| Loan To Share |
48.7%
+6.2% YoY+1.9% QoQ
|
-12.0% |
60.6%
-3.1% YoY
|
67.1%
-0.1% YoY
|
67.4%
-1.7% YoY
|
31% |
| AMR |
$18,076
+2.2% YoY+1.2% QoQ
|
+$3K |
$14,783
-1.4% YoY
|
$22,475
+5.7% YoY
|
$19,687
+2.0% YoY
|
70% |
| CD Concentration |
7.4%
-7.2% YoY+2.4% QoQ
|
-17.0% | 24.4% | 18.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.8% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)