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
Call Report peers
Kellogg Community in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Kellogg Community sits in 95-99 with 391 others.
95 Top 10% higher than 90% 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 Kellogg Community
- Largest favorable gap: Loan-to-Share Ratio at 90.03% vs peer 83.90% (+6.13 pp).
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).
- One place up in Michigan, SETTLERS (#7) ties at 95/100; one place down, H.P.C. (#9) ties at 95/100.
Kellogg Community Call Report trajectory
Kellogg Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.8% from $961.6M (2025Q4) to $1.01B (2026Q1).
- Net-worth ratio shifted -0.44 pp (16.97% → 16.53%).
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
Kellogg Community gives up 5 points in total. Member Growth costs the most, 3.2 of its 15; Loan-to-Share Ratio and Net Worth Ratio and Return on Assets score full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Kellogg Community financially healthy?
On its 2025Q4 NCUA 5300 filing, Kellogg Community scores 95/100 (Excellent), with a 16.53% net worth ratio and 0.69% of loans delinquent. It ranks #326 of 4,374 nationally on health and #8 of 171 in Michigan.
How does Kellogg Community compare to other credit unions?
Kellogg Community scores 95/100, higher than 90% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (90.03% vs 83.90%).
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?
Kellogg Community 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. Kellogg Community's net worth ratio of 16.53% 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.