BlastPoint's Credit Union Scorecard
GRAND TRUNK BATTLE CREEK EMP
Charter #5170 · MI
GRAND TRUNK BATTLE CREEK EMP has 4 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.15% above tier average
- + Net Interest Margin 1.03% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.9% YoY
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,520
-2.9% YoY-1.1% QoQ
|
-105 |
2,625
-2.2% YoY
|
35,456
+8.6% YoY
|
33,089
+6.1% YoY
|
60% |
| Assets |
$39.1M
+1.8% YoY-2.7% QoQ
|
+$9.3M |
$29.9M
+1.1% YoY
|
$650.8M
+12.6% YoY
|
$547.7M
+7.8% YoY
|
69% |
| Loans |
$14.5M
+2.0% YoY+1.9% QoQ
|
$-1.2M |
$15.8M
-2.4% YoY
|
$461.6M
+14.9% YoY
|
$388.7M
+8.6% YoY
|
60% |
| Deposits |
$30.5M
-2.1% YoY-5.8% QoQ
|
+$5.0M |
$25.5M
+0.4% YoY
|
$550.3M
+12.5% YoY
|
$464.6M
+9.3% YoY
|
66% |
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| ROA |
1.8%
+3.5% YoY-2.1% QoQ
|
+1.1% |
0.7%
-731.4% YoY
|
0.8%
-27.1% YoY
|
0.7%
+273.4% YoY
|
Top 12.2% in tier |
| NIM |
5.0%
+7.4% YoY+0.5% QoQ
|
+1.0% |
3.9%
+3.8% YoY
|
3.7%
+8.5% YoY
|
3.7%
+5.0% YoY
|
Top 14.9% in tier |
| Efficiency Ratio |
67.8%
+2.5% YoY+0.7% QoQ
|
-13.6% |
81.4%
-2.4% YoY
|
76.1%
-1.3% YoY
|
79.1%
-3.3% YoY
|
27% |
| Delinquency Rate |
0.9%
+24.0% YoY+135.1% QoQ
|
-0.6 |
1.5%
-2.0% YoY
|
0.9%
-19.7% YoY
|
1.2%
-0.9% YoY
|
59% |
| Loan To Share |
47.7%
+4.2% YoY+8.2% QoQ
|
-13.5% |
61.2%
-3.0% YoY
|
68.1%
+0.3% YoY
|
68.0%
-1.7% YoY
|
29% |
| AMR |
$17,855
+2.1% YoY-2.4% QoQ
|
+$3K |
$14,627
-2.7% YoY
|
$22,054
+2.5% YoY
|
$19,418
+1.3% YoY
|
71% |
| CD Concentration |
7.3%
-8.1% YoY+5.4% QoQ
|
-17.1% |
24.4%
+4.2% YoY
|
18.6%
+6.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
11.9%
-2.7% YoY
|
7.9%
-2.9% YoY
|
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)