BlastPoint's Credit Union Scorecard
KELLOGG MIDWEST
Charter #5286 · NE
2596 CUs in <100M nationally
34 in NE
KELLOGG MIDWEST has 3 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Member Ratio (LMR): Top 3.4% in tier
- + Average Member Relationship (AMR): Top 4.6% in tier
Key Concerns
Areas that may need attention
- - ROA 0.47% below tier average
- - Efficiency ratio 10.45% above tier (higher cost structure)
- - Delinquency rate 0.41% above tier average
- - Member decline: -6.1% YoY
- - First Mortgage Concentration (%): Bottom 3.5% in tier
- - Deposit Growth Rate: Bottom 7.4% in tier
- - Asset Growth Rate: Bottom 9.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,567
-6.1% YoY-1.9% QoQ
|
-58 |
2,625
-2.2% YoY
|
11,261
+2.9% YoY
|
33,089
+6.1% YoY
|
61% |
| Assets |
$54.9M
-7.0% YoY-1.4% QoQ
|
+$25.0M |
$29.9M
+1.1% YoY
|
$135.7M
+6.0% YoY
|
$547.7M
+7.8% YoY
|
80% |
| Loans |
$32.9M
-4.8% YoY-0.5% QoQ
|
+$17.1M |
$15.8M
-2.4% YoY
|
$98.5M
+7.2% YoY
|
$388.7M
+8.6% YoY
|
84% |
| Deposits |
$42.0M
-9.9% YoY-2.5% QoQ
|
+$16.6M |
$25.5M
+0.4% YoY
|
$114.5M
+4.4% YoY
|
$464.6M
+9.3% YoY
|
77% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.2%
-63.9% YoY-16.3% QoQ
|
-0.5% |
0.7%
-731.4% YoY
|
0.7%
+41.5% YoY
|
0.7%
+273.4% YoY
|
24% |
| NIM |
3.7%
+18.9% YoY+2.5% QoQ
|
-0.3% |
3.9%
+3.8% YoY
|
4.0%
+7.0% YoY
|
3.7%
+5.0% YoY
|
41% |
| Efficiency Ratio |
91.8%
+13.4% YoY+0.7% QoQ
|
+10.5% |
81.4%
-2.4% YoY
|
80.8%
-5.9% YoY
|
79.1%
-3.3% YoY
|
80% |
| Delinquency Rate |
1.9%
+129.6% YoY-15.9% QoQ
|
+0.4 |
1.5%
-2.0% YoY
|
1.1%
+1.3% YoY
|
1.2%
-0.9% YoY
|
79% |
| Loan To Share |
78.2%
+5.7% YoY+2.0% QoQ
|
+17.0% |
61.2%
-3.0% YoY
|
71.7%
-1.6% YoY
|
68.0%
-1.7% YoY
|
75% |
| AMR |
$29,191
-1.7% YoY+0.2% QoQ
|
+$15K |
$14,627
-2.7% YoY
|
$16,886
+0.6% YoY
|
$19,418
+1.3% YoY
|
Top 4.6% in tier |
| CD Concentration |
22.1%
-10.2% YoY+1.1% QoQ
|
-2.3% |
24.4%
+4.2% YoY
|
22.1%
+4.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
5.8%
-5.5% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)
Top Strengths (10 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
90
Loan-to-Member Ratio (LMR)
engagement
Value:
$12,811
Peer Avg: -
#90 of 2596
Top 3.4% in <100M tier
120
Average Member Relationship (AMR)
engagement
Value:
$29,191
Peer Avg: -
#120 of 2596
Top 4.6% in <100M tier
403
Total Loans
balance_sheet
Value:
$32.88M
Peer Avg: -
#403 of 2596
Top 15.5% in <100M tier
421
Net Worth Ratio
risk
Value:
22.19%
Peer Avg: -
#421 of 2596
Top 16.2% in <100M tier
518
Total Assets
balance_sheet
Value:
$54.90M
Peer Avg: -
#518 of 2596
Top 19.9% in <100M tier
601
Total Deposits
balance_sheet
Value:
$42.05M
Peer Avg: -
#601 of 2596
Top 23.1% in <100M tier
629
Fee Income Per Member
profitability
Value:
$120.41
Peer Avg: -
#629 of 2596
Top 24.2% in <100M tier
629
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: -
#629 of 2596
Top 24.2% in <100M tier
648
Loan-to-Share Ratio
balance_sheet
Value:
78.21%
Peer Avg: -
#648 of 2596
Top 24.9% in <100M tier
Top Weaknesses (7 metrics)
2506
First Mortgage Concentration (%)
balance_sheet
Value:
61.07%
Peer Avg: -
#2506 of 2596
Bottom 3.5% in <100M tier
2404
Deposit Growth Rate
growth
Value:
-9.90%
Peer Avg: -
#2404 of 2596
Bottom 7.4% in <100M tier
2353
Asset Growth Rate
growth
Value:
-7.03%
Peer Avg: -
#2353 of 2596
Bottom 9.4% in <100M tier
2273
Member Growth Rate
growth
Value:
-6.11%
Peer Avg: -
#2273 of 2596
Bottom 12.5% in <100M tier
2068
Efficiency Ratio
profitability
Value:
91.84%
Peer Avg: -
#2068 of 2596
Bottom 20.4% in <100M tier
2045
Total Delinquency Rate (60+ days)
risk
Value:
1.92%
Peer Avg: -
#2045 of 2596
Bottom 21.3% in <100M tier
1963
Return on Assets (ROA)
profitability
Value:
0.22%
Peer Avg: -
#1963 of 2596
Bottom 24.4% in <100M tier