State credit union · BATTLE CREEK, Michigan · NCUA charter #68678
Kellogg Community
Health score 95/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 95
- Health / 100
- $961.6M
- Total assets
- 50,712
- Members
- 16.5%
- Net-worth ratio
Kellogg Community scores 95/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $961.6M; members 50,712; net-worth ratio 16.53%; health rank #326 of 4,374; healthier than 90th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#326 of 4,374 health · 2025Q4Kellogg Community · health 95/100 · $961.6M · 2025Q4
- CAMELS 95/100
- HEALTH 16.5%
- NW 0.69%
- DELQ 1.47%
- ROA $961.6M
- ASSETS 50,712
- MEM #326/4,374
- RANK ALTAONE
- PHOTO 68678
Call Report peers
Kellogg Community in the assets neighbourhood
Kellogg Community's $961.6M assets sit next to ALTAONE ($962.0M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Kellogg Community vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
95 Top 10% higher than 90% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Kellogg Community - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #68678 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Peer-gap read for Kellogg Community
- Largest favorable gap: Loan-to-Share Ratio at 90.03% vs peer 83.90% (+6.13 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Michigan standing for Kellogg Community
- Michigan health ordinal: #8 of 171.
- Michigan assets place: #27 of 171.
- Membership ranks #32 of 171 among Michigan CUs with a reported count (50,712 members).
In-state ordinals use the live credit_unions table for MI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Kellogg Community Call Report trajectory
Kellogg Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.8% from $961.6M (2025Q4) to $1.01B (2026Q1).
- Net-worth ratio shifted -0.44 pp (16.97% → 16.53%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 16.53%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 95/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 95.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.1 pts
- Return on Assets 15.0 pts
- Member Growth 11.8 pts
- Loan-to-Share Ratio 15.1 pts
Call Report ratios for Kellogg Community
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.53% | +5.35 pp |
| Delinquency Rate | 0.69% | -0.19 pp |
| Return on Assets | 1.47% | +0.96 pp |
| Member Growth | 2.33% | - |
| Loan-to-Share Ratio | 90.03% | +6.13 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Kellogg Community quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.01B | - |
| 2025Q4 | $961.6M | 50,712 |
| 2024Q4 | $907.5M | 49,559 |
| 2023Q4 | $857.4M | 48,450 |
Credit Union Details
- Charter Number
- 68678
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Michigan
- City
- BATTLE CREEK
- Data Quarter
- 2025Q4
Branch Locations (14)
The NCUA branch filing lists 14 physical offices for Kellogg Community, spread across 9 cities.
| Office | City |
|---|---|
| 2nd Street (Main Office) | Battle Creek, MI |
| Pennfield | Battle Creek, MI |
| B Drive | Battle Creek, MI |
| Downtown Branch | Battle Creek, MI |
| NorthPointe Woods | Battle Creek, MI |
| Metro Health | Grand Rapids, MI |
| Gull Rd Branch | Kalamazoo, MI |
| Drake Road | Kalamazoo, MI |
| Marshall | Marshall, MI |
| Portage | Portage, MI |
| Richland | Richland, MI |
| Schoolcraft | Schoolcraft, MI |
| Dickman | Springfield, MI |
| Three Rivers Branch | Three Rivers, MI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Michigan
More federally-insured credit unions based in Michigan, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for Kellogg Community, both outside Michigan so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($961.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (95/100 here).
Using this data
- Kellogg Community ranks #326 of 4,374 nationally on financial health and #8 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- True Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with True Community
- Rates and health both vary by institution, not just by state -- see how Michigan credit unions compare overall before assuming this one is typical. Michigan state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Kellogg Community financially healthy?
Yes/no aside, the number is 95/100 (Excellent) - Kellogg Community's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #326 of 4,374; by total assets it ranks #482 of 4,374 nationally (same basis as /rankings/largest); and #27 of 171 within Michigan. Above 80 reads excellent, below 50 warrants closer monitoring; a 16.53% net worth ratio and 0.69% delinquency rate are the key drivers.
How does Kellogg Community compare to other credit unions?
On PlainCU's health composite, Kellogg Community lands at 95/100, compared to a peer group average for Over $500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Kellogg Community?
Membership eligibility for Kellogg Community depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Kellogg Community directly for current membership requirements and application steps.
Is my money safe at Kellogg Community?
Federal credit unions like Kellogg Community are 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. Kellogg Community's net worth ratio of 16.53% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Kellogg Community offer compared to banks?
Credit unions like Kellogg Community are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Kellogg Community directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.