Kalsee

Kalamazoo, MI · 2 · Charter #61219 · www.kalsee.com
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
$290.7M
13th percentile
Members
21,935
32th percentile
Total loans
$223.2M
29th percentile
Total shares
$254.2M
15th percentile

Profitability

Return on assets
0.85%
41th percentile
Net interest margin
4.02%
83th percentile
Efficiency ratio
70.36%
10th percentile
Non-interest income ratio
28.02%
90th percentile

Capital & Risk

Net worth ratio
10.24%
39th percentile
Delinquency rate
0.45%
75th percentile
Net charge-off rate
0.56%
35th percentile
Loan-to-share
87.79%
69th percentile

Growth

Member growth YoY
-0.25%
40th percentile
Asset growth YoY
4.75%
46th percentile
Loan growth YoY
7.30%
67th percentile
Share growth YoY
7.44%
75th percentile

Operations

Members / branch
3,656
30th percentile
Assets / member
$13,251
22th percentile
Field of membership penetration
2.67%
35th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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