Sep, 30, 2025 — GRAND TRUNK BATTLE CREEK EMP FEDERAL CREDIT UNION is a federal credit union headquartered in BATTLE CREEK, MI with 1 branch location and about $39.11 million in total assets. Opened 81 years ago in 1945, GRAND TRUNK BATTLE CREEK EMP FEDERAL CREDIT UNION has about 2,520 members and employs 14 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | GRAND TRUNK BATTLE CREEK EMP FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 1275 Raymond Rd N BATTLE CREEK, MI 49014 |
| Phone: | (269) 965-1381 |
| Fax: | (269) 965-6558 |
| Website: | https://www.grandtrunkcu.com |
| Branches: | 1 branch locations |
| Members: | 2,520 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 5170 |
|---|---|
| Membership Type: | Service - Transportation |
| Corporate Credit Union: | No |
| Year Opened: | 1945 |
| Last Audited: | Jun 01, 2024 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $39,106,706 |
| CEO/Manager: | LuAnn M Schott |
| Chairperson: | Larry L Gilbert |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 236,355 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 3,144,812 |
| Unsecured Loans | 1,349,634 |
| Other Loans | 10,043,569 |
| TOTAL LOANS | 14,538,015 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -120,152 |
| Land And Building | 601,920 |
| Other Fixed Assets | 40,558 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 312,698 |
| All Other Assets | 0 |
| TOTAL ASSETS | 39,106,706 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 16 |
| Notes & Interest Payable | 566,010 |
| Accounts Payable & Other Liabilities | 205,660 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 4,991,485 |
| Regular shares | 9,923,709 |
| All Other Shares & Deposits | 15,540,706 |
| TOTAL SHARES & DEPOSITS | 30,455,900 |
| TOTAL LIABILITIES | 31,227,586 |
| Regular Reserve | 0 |
| Other Reserves | 0 |
| Undivided Earnings | 7,879,120 |
| TOTAL EQUITY | 7,879,120 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 39,106,706 |
| INCOME & EXPENSE | |
| Loan Income | 800,614 |
| Investment Income | 796,867 |
| Other Income | 107,264 |
| Total Employee Compensation & Benefits | 691,195 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 533,461 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 36,822 |
| Cost of Funds | 121,093 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 544,567 |
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