BlastPoint's Credit Union Scorecard
KELLOGG MIDWEST
Charter #5286 · NE
KELLOGG MIDWEST has 3 strengths but faces 4 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 3.6% in tier
- + Average Member Relationship (AMR): Top 4.6% in tier
Key Concerns
Areas that may need attention
- - ROA 0.46% below tier average
- - Efficiency ratio 10.41% above tier (higher cost structure)
- - Member decline: -5.7% YoY
- - First Mortgage Concentration (%): Bottom 3.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,533
-5.7% YoY-1.3% QoQ
|
-82 |
2,615
-1.9% YoY
|
11,118
+2.3% YoY
|
33,374
+5.7% YoY
|
61% |
| Assets |
$54.9M
-3.2% YoY+0.1% QoQ
|
+$24.8M |
$30.1M
+2.1% YoY
|
$137.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
80% |
| Loans |
$32.7M
-4.2% YoY-0.4% QoQ
|
+$17.0M |
$15.8M
-1.3% YoY
|
$99.6M
+9.6% YoY
|
$397.0M
+8.8% YoY
|
84% |
| Deposits |
$42.1M
-5.0% YoY+0.2% QoQ
|
+$16.4M |
$25.7M
+1.4% YoY
|
$116.6M
+5.9% YoY
|
$477.3M
+9.7% YoY
|
77% |
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| ROA |
0.2%
-74.2% YoY-24.5% QoQ
|
-0.5% |
0.6%
+10.8% YoY
|
0.6%
+50.8% YoY
|
0.7%
+15.9% YoY
|
23% |
| NIM |
3.7%
+14.0% YoY+0.4% QoQ
|
-0.3% |
4.0%
+4.0% YoY
|
4.0%
+10.2% YoY
|
3.8%
+5.1% YoY
|
42% |
| Efficiency Ratio |
93.0%
+15.1% YoY+1.2% QoQ
|
+10.4% |
82.6%
-2.3% YoY
|
81.4%
-6.7% YoY
|
79.7%
-3.3% YoY
|
80% |
| Delinquency Rate |
1.0%
+44.7% YoY-48.3% QoQ
|
-0.6 |
1.6%
-3.1% YoY
|
1.1%
-6.1% YoY
|
1.3%
-2.1% YoY
|
60% |
| Loan To Share |
77.8%
+0.9% YoY-0.6% QoQ
|
+17.1% |
60.6%
-3.1% YoY
|
70.8%
+0.1% YoY
|
67.4%
-1.7% YoY
|
75% |
| AMR |
$29,557
+1.2% YoY+1.3% QoQ
|
+$15K |
$14,783
-1.4% YoY
|
$17,066
+1.6% YoY
|
$19,687
+2.0% YoY
|
Top 4.7% in tier |
| CD Concentration |
21.0%
-6.4% YoY-5.0% QoQ
|
-3.5% | 24.4% | 22.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.6% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)