Kellogg Community

BATTLE CREEK, MI · 2 · Charter #68678 · www.kccu4u.org
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$961.6M
98th percentile
Members
50,712
88th percentile
Total loans
$713.8M
97th percentile
Total shares
$792.9M
95th percentile

Profitability

Return on assets
1.64%
86th percentile
Net interest margin
3.34%
41th percentile
Efficiency ratio
46.04%
90th percentile
Non-interest income ratio
19.03%
50th percentile

Capital & Risk

Net worth ratio
16.98%
96th percentile
Delinquency rate
0.69%
53th percentile
Net charge-off rate
0.27%
65th percentile
Loan-to-share
90.03%
74th percentile

Growth

Member growth YoY
2.33%
71th percentile
Asset growth YoY
5.96%
58th percentile
Loan growth YoY
5.34%
56th percentile
Share growth YoY
4.79%
52th percentile

Operations

Members / branch
3,622
29th percentile
Assets / member
$18,962
70th percentile
Field of membership penetration
2.19%
30th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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