BlastPoint's Credit Union Scorecard
GRAND TRUNK BATTLE CREEK EMP
Charter #5170 · MI
GRAND TRUNK BATTLE CREEK EMP has 3 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.40% above tier average
- + Net Interest Margin 0.59% above tier average
- + Fee Income Per Member: Top 2.6% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.7% YoY
- - Net Charge-Off Rate: Bottom 7.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,492
-2.7% YoY-0.8% QoQ
|
-184 |
2,676
+1.6% YoY
|
36,022
+6.3% YoY
|
33,913
+5.7% YoY
|
60% |
| Assets |
$39.5M
+1.0% YoY+1.4% QoQ
|
+$9.3M |
$30.2M
+1.3% YoY
|
$705.1M
+14.1% YoY
|
$578.3M
+9.0% YoY
|
68% |
| Loans |
$14.4M
+4.2% YoY-2.8% QoQ
|
$-833K |
$15.3M
-2.0% YoY
|
$480.6M
+13.6% YoY
|
$402.4M
+8.7% YoY
|
61% |
| Deposits |
$31.2M
-0.4% YoY+2.1% QoQ
|
+$5.4M |
$25.8M
+0.7% YoY
|
$601.5M
+14.1% YoY
|
$494.3M
+9.1% YoY
|
66% |
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| ROA |
0.6%
-69.8% YoY-66.6% QoQ
|
+0.4% |
0.1%
-77.6% YoY
|
0.9%
+85.7% YoY
|
0.4%
-39.2% YoY
|
47% |
| NIM |
4.6%
-8.0% YoY-8.3% QoQ
|
+0.6% |
4.0%
+4.0% YoY
|
3.7%
+3.8% YoY
|
3.8%
+4.1% YoY
|
79% |
| Efficiency Ratio |
78.9%
+15.1% YoY+12.7% QoQ
|
-11.8% |
90.6%
+6.5% YoY
|
75.8%
-7.1% YoY
|
84.6%
+2.8% YoY
|
43% |
| Delinquency Rate |
0.9%
-8.9% YoY-53.0% QoQ
|
-0.6 |
1.5%
+3.8% YoY
|
0.7%
-7.8% YoY
|
1.2%
+3.4% YoY
|
60% |
| Loan To Share |
46.3%
+4.7% YoY-4.8% QoQ
|
-12.2% |
58.5%
-3.0% YoY
|
65.1%
-0.0% YoY
|
65.6%
-1.4% YoY
|
31% |
| AMR |
$18,313
+3.8% YoY+1.3% QoQ
|
+$3K |
$14,884
-1.7% YoY
|
$22,971
+5.9% YoY
|
$19,920
+1.6% YoY
|
71% |
| CD Concentration |
6.4%
-18.7% YoY-13.6% QoQ
|
-17.8% | 24.3% | 18.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.7% | 7.7% | 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)