State credit union · BATTLE CREEK, Michigan · NCUA charter #68678
Kellogg Community
Health score 95/100 (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 - 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.
Kellogg Community - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)92
- Earnings (ROA)100
- Member growth79
- Liquidity (loan-to-share)100
Weighted composite: 95/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 16.50%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 16.50% | 30% |
| Delinquency Rate | 0.69% | 25% |
| Return on Assets | 1.47% | 15% |
| Member Growth | 2.33% | 15% |
| Loan-to-Share Ratio | 90.03% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Kellogg Community
Headquartered in BATTLE CREEK, Michigan, Kellogg Community is a state credit union with 50,712 members, $961.6M in total assets, and $713.8M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 95/100 (Excellent), driven in part by a net worth ratio of 16.50% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #68678 and reports within peer group Over $500M, a cohort of 749 similarly-sized institutions.
Deposits deployed into lending sit at a 90.03% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Loan quality, meanwhile, shows 0.69% of the book 60+ days past due - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running tighter than peers. Return on assets stands at 1.47% on net income of $14.1M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 2.33%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Michigan
More federally-insured credit unions based in Michigan, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
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. Above 80 reads excellent, below 50 warrants closer monitoring; a 16.50% 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 16.50% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.