BlastPoint's Credit Union Scorecard
KELLOGG MIDWEST
Charter #5286 · NE
KELLOGG MIDWEST has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Loan-to-Member Ratio (LMR): Top 4.1% in tier
- + Average Member Relationship (AMR): Top 4.1% in tier
Key Concerns
Areas that may need attention
- - ROA 1.28% below tier average
- - Efficiency ratio 10.97% above tier (higher cost structure)
- - Member decline: -5.4% YoY
- - First Mortgage Concentration (%): Bottom 3.1% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 34 that size in Nebraska.
- Shares and deposits +1.3% year over year ($43.7M in shares and deposits).
- Membership: 2,474 members, -5.4% vs a year ago.
- Delinquency rate 1.23%.
- Return on assets 0.21%.
- Efficiency ratio 99.74% vs a 88.77% peer average.
- Loan-to-share ratio 70.86% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,474
-5.4% YoY-1.3% QoQ
|
-111 |
2,585
-1.7% YoY
|
11,070
-2.8% YoY
|
34,678
+6.6% YoY
|
60% |
| Assets |
$56.4M
+1.3% YoY+0.4% QoQ
|
+$26.1M |
$30.3M
+1.5% YoY
|
$139.7M
+2.9% YoY
|
$593.1M
+10.2% YoY
|
81% |
| Loans |
$30.9M
-6.4% YoY-4.0% QoQ
|
+$15.5M |
$15.5M
-1.7% YoY
|
$101.1M
+5.0% YoY
|
$418.6M
+10.1% YoY
|
84% |
| Deposits |
$43.7M
+1.3% YoY+0.7% QoQ
|
+$17.9M |
$25.8M
+1.1% YoY
|
$119.4M
+3.3% YoY
|
$504.8M
+10.3% YoY
|
77% |
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| ROA |
0.2%
-18.2% YoY-149.8% QoQ
|
-1.3% |
1.5%
+241.5% YoY
|
1.1%
+69.2% YoY
|
1.2%
+121.4% YoY
|
Bottom 13.4% in tier |
| NIM |
3.5%
-1.9% YoY-0.1% QoQ
|
-0.4% |
3.9%
+0.9% YoY
|
4.1%
+6.3% YoY
|
3.8%
+2.3% YoY
|
35% |
| Efficiency Ratio |
99.7%
+9.4% YoY-3.6% QoQ
|
+11.0% |
88.8%
-6.9% YoY
|
79.7%
-2.7% YoY
|
83.0%
-5.3% YoY
|
Bottom 13.6% in tier |
| Delinquency Rate |
1.2%
-46.1% YoY+54.7% QoQ
|
-0.3 |
1.5%
+2.1% YoY
|
1.2%
+28.5% YoY
|
1.3%
+2.6% YoY
|
67% |
| Loan To Share |
70.9%
-7.6% YoY-4.7% QoQ
|
+12.0% |
58.9%
-3.1% YoY
|
69.5%
+0.0% YoY
|
66.4%
-1.4% YoY
|
68% |
| AMR |
$30,162
+3.6% YoY-0.0% QoQ
|
+$15K |
$14,963
-6.8% YoY
|
$17,408
+1.9% YoY
|
$20,028
-0.9% YoY
|
Top 4.2% in tier |
| CD Concentration |
20.4%
-6.5% YoY-0.2% QoQ
|
-4.1% | 24.6% | 22.2% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 5.2% | 7.7% | 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)