Federal credit union · MEMPHIS, Tennessee · NCUA charter #13634
Kellogg Memphis Employees
Health score 50/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 50
- Health / 100
- $3.1M
- Total assets
- 526
- Members
- 29.7%
- Net-worth ratio
Kellogg Memphis Employees scores 50/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $3.1M; members 526; net-worth ratio 29.67%; health rank #4,264 of 4,374; healthier than 2nd of scored peers.
NCUA Call Report stamp band
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Kellogg Memphis Employees vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Kellogg Memphis Employees sits in 50-54 with 82 others.
50 2nd percentile higher than 2% 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
Peer-gap read for Kellogg Memphis Employees
- Loan-to-Share Ratio leads the peer set - 105.32% here, 63.60% peer average (+41.72 pp).
- Largest lag: Return on Assets at -1.78% vs peer 0.45% (-2.24 pp).
Where Kellogg Memphis Employees sits in Tennessee
- Health composite ranks #125 of 127 among scored Tennessee credit unions.
- By total assets, Kellogg Memphis Employees is #119 of 127 in Tennessee.
- Tennessee membership ordinal: #116 of 127.
- One place up in Tennessee, A.U.B. Employees' (#124) scores 52/100, 2 points higher; one place down, SOUTHERN (#126) scores 48/100, 2 points lower.
Kellogg Memphis Employees: 2025Q4 → 2026Q1
Kellogg Memphis Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.0% from $3.1M (2025Q4) to $3.1M (2026Q1).
- Net-worth ratio shifted -0.90 pp (30.57% → 29.67%).
This credit union's 29.67% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 50/100 score is built
Kellogg Memphis Employees gives up 50 points in total. Delinquency Rate costs the most, 22.7 of its 25; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 2.3 pts
- Return on Assets 0.0 pts
- Member Growth 9.0 pts
- Loan-to-Share Ratio 8.7 pts
Kellogg Memphis Employees health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 29.67% | +10.61 pp |
| Delinquency Rate | 3.64% | +1.83 pp |
| Return on Assets | -1.78% | -2.24 pp |
| Member Growth | 0.00% | - |
| Loan-to-Share Ratio | 105.32% | +41.72 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $3.1M | - |
| 2025Q4 | $3.1M | 526 |
| 2024Q4 | $3.8M | 526 |
| 2023Q4 | $4.3M | 526 |
Credit Union Details
- Charter Number
- 13634
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Tennessee
- City
- MEMPHIS
- Data Quarter
- 2025Q4
Branch Locations (2)
Kellogg Memphis Employees operates 2 offices in Memphis, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Kellogg Memphis Employees Federal Credit Union (Main Office) | Memphis, TN |
| Vital Records Control | Memphis, TN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Tennessee
Other federally-insured credit unions in Tennessee, closest first by peer group and asset size.
Other-state peers near Kellogg Memphis Employees
Similar health score
Using this data
- Kellogg Memphis Employees ranks #4,264 of 4,374 nationally on financial health and #125 of 127 in TN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Tva Mid-South is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Tva Mid-South
Frequently Asked Questions
Is Kellogg Memphis Employees financially healthy?
On its 2025Q4 NCUA 5300 filing, Kellogg Memphis Employees scores 50/100 (Fair), with a 29.67% net worth ratio and 3.64% of loans delinquent. It ranks #4,264 of 4,374 nationally on health and #125 of 127 in Tennessee.
How does Kellogg Memphis Employees compare to other credit unions?
Kellogg Memphis Employees scores 50/100, higher than 2% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (105.32% vs 63.60%). Its widest shortfall is return on assets (-1.78% vs 0.45%).
How can I join Kellogg Memphis Employees?
Kellogg Memphis Employees operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Kellogg Memphis Employees directly for the exact boundaries and application steps.
Is my money safe at Kellogg Memphis Employees?
Kellogg Memphis Employees is a federal 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 Memphis Employees's net worth ratio of 29.67% 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.