Federal credit union · LaVista, Nebraska · NCUA charter #5286
Kellogg Midwest
Health score 80/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $54.9M
- Total assets
- 2,533
- Members
- 21.6%
- Net-worth ratio
Kellogg Midwest scores 80/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $54.9M; members 2,533; net-worth ratio 21.57%; health rank #2,683 of 4,374; healthier than 36th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,683 of 4,374 health · 2025Q4Kellogg Midwest · health 80/100 · $54.9M · 2025Q4
- ASSETS 80/100
- MEM 21.6%
- RANK 0.99%
- PHOTO 0.67%
- BOOK $54.9M
- CHARTER 2,533
- NCUSIF #2,683/4,374
- CAMELS Toledo Police
- HEALTH 5286
Call Report peers
Kellogg Midwest in the assets neighbourhood
Kellogg Midwest's $54.9M assets sit next to Toledo Police ($55.0M) 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 Midwest 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
80 36th percentile higher than 36% 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 Midwest - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #5286: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Peer-gap read for Kellogg Midwest
- Loan-to-Share Ratio leads the peer set - 77.75% here, 62.60% peer average (+15.15 pp).
- Delinquency Rate trails the peer set - 0.99% here, 0.96% peer average (+0.03 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Kellogg Midwest in Nebraska
- In Nebraska, health place is #30 of 50 on the same NCUA-ratio sort used nationally.
- Assets rank #20 of 50 inside Nebraska ($54.9M reported).
- Nebraska membership ordinal: #29 of 50.
In-state ordinals use the live credit_unions table for NE only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Kellogg Midwest: 2025Q4 → 2026Q1
Kellogg Midwest: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.3% from $54.9M (2025Q4) to $56.2M (2026Q1).
- Net-worth ratio shifted -0.60 pp (22.17% → 21.57%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 21.57%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 80/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 80.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.1 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 14.9 pts
Call Report ratios for Kellogg Midwest
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 21.57% | +7.95 pp |
| Delinquency Rate | 0.99% | +0.03 pp |
| Return on Assets | 0.67% | +0.01 pp |
| Member Growth | -5.73% | - |
| Loan-to-Share Ratio | 77.75% | +15.15 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Call Report history - Kellogg Midwest
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $56.2M | - |
| 2025Q4 | $54.9M | 2,533 |
| 2024Q4 | $56.8M | 2,687 |
| 2023Q4 | $58.3M | 2,804 |
Credit Union Details
- Charter Number
- 5286
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Nebraska
- City
- LaVista
- Data Quarter
- 2025Q4
Branch Locations (2)
Kellogg Midwest operates 2 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Kellogg Midwest Federal Credit Union (Main Office) | LaVista, NE |
| Kellogg Midwest Federal Credit Union | Omaha, NE |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Nebraska
Other federally-insured credit unions in Nebraska, closest first by peer group and asset size.
Kellogg Midwest nationwide neighbourhoods
Kellogg Midwest's nationwide photo peers by assets and by health score, excluding Nebraska charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($54.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (80/100 here).
Using this data
- Kellogg Midwest ranks #2,683 of 4,374 nationally on financial health and #30 of 50 in NE -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Spirit of America is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Spirit of America
- Rates and health both vary by institution, not just by state -- see how Nebraska credit unions compare overall before assuming this one is typical. Nebraska 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 Midwest financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Kellogg Midwest carries a financial health score of 80/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #2,683 of 4,374; by total assets it ranks #2,333 of 4,374 nationally (same basis as /rankings/largest); and #20 of 50 within Nebraska. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 21.57% net worth ratio and a 0.99% delinquency rate.
How does Kellogg Midwest compare to other credit unions?
Kellogg Midwest scores 80/100 on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 Midwest?
Kellogg Midwest 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 Midwest directly for the exact boundaries and application steps.
Is my money safe at Kellogg Midwest?
Federal credit unions like Kellogg Midwest 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 Midwest's net worth ratio of 21.57% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Kellogg Midwest offer compared to banks?
Credit unions like Kellogg Midwest 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 Midwest 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.