State credit union · Kalamazoo, Michigan · NCUA charter #61219
KALSEE
Health score 92/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $290.7M
- Total assets
- 21,935
- Members
- 10.3%
- Net-worth ratio
KALSEE scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $290.7M; members 21,935; net-worth ratio 10.32%; health rank #831 of 4,374; healthier than 80th of scored peers.
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NCUA 5300 Call Report Masthead
#831 of 4,374 health · 2025Q4KALSEE · health 92/100 · $290.7M · 2025Q4
Call Report peers
KALSEE in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
KALSEE vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); KALSEE sits in 90-94 with 747 others.
92 Top 20% higher than 80% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for KALSEE
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +14.12 pp (86.32% vs 72.20%).
- Widest shortfall vs peers is Net Worth Ratio: -1.79 pp (10.32% vs 12.11%).
Where KALSEE sits in Michigan
- Michigan health ordinal: #33 of 171.
- Michigan assets place: #66 of 171.
- Michigan membership ordinal: #58 of 171.
- One place up in Michigan, United Financial (#32) ties at 92/100; one place down, Dort Financial (#34) ties at 92/100.
KALSEE Call Report trajectory
KALSEE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.9% from $290.7M (2025Q4) to $293.3M (2026Q1).
- Net-worth ratio shifted +0.08 pp (10.24% → 10.32%).
This credit union's 10.32% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 92/100 score is built
KALSEE gives up 8 points in total. Member Growth costs the most, 6.5 of its 15; Net Worth Ratio and Delinquency Rate and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 13.9 pts
- Member Growth 8.5 pts
- Loan-to-Share Ratio 14.6 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.32% | -1.79 pp |
| Delinquency Rate | 0.45% | -0.45 pp |
| Return on Assets | 0.42% | -0.20 pp |
| Member Growth | -0.25% | - |
| Loan-to-Share Ratio | 86.32% | +14.12 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Call Report history - KALSEE
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $293.3M | - |
| 2025Q4 | $290.7M | 21,935 |
| 2024Q4 | $277.5M | 21,991 |
| 2023Q4 | $275.5M | 22,850 |
Credit Union Details
- Charter Number
- 61219
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Michigan
- City
- Kalamazoo
- Data Quarter
- 2025Q4
Branch Locations (7)
KALSEE operates 7 offices across 4 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Corporate Headquarters (Main Office) | Portage, MI |
| Stadium / Drake Branch | Kalamazoo, MI |
| Milwood Branch | Kalamazoo, MI |
| Gull Road Branch | Kalamazoo, MI |
| Westnedge Branch | Portage, MI |
| Battle Creek Branch | Springfield, MI |
| Vicksburg Branch | Vicksburg, MI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Michigan
Other federally-insured credit unions in Michigan, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Similar total assets
Using this data
- KALSEE ranks #831 of 4,374 nationally on financial health and #33 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- United Bay Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with United Bay Community
Frequently Asked Questions
Is KALSEE financially healthy?
KALSEE has a financial health score of 92/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #831 of 4,374 nationally on health and #33 of 171 in Michigan. Its net worth ratio is 10.32% and its delinquency rate 0.45%.
How does KALSEE compare to other credit unions?
KALSEE scores 92/100, higher than 80% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (86.32% vs 72.20%). Its widest shortfall is net worth ratio (10.32% vs 12.11%).
How can I join KALSEE?
Membership eligibility for KALSEE depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact KALSEE directly for current membership requirements and application steps.
Is my money safe at KALSEE?
KALSEE is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. KALSEE's net worth ratio of 10.32% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.